We offer a comprehensive Life Insurance policy where you set the tax-free payout amount. You can add your partner for a joint policy and enhance your cover with options like Critical Conditions, Disability, or Income Protection.

Yes! Our team is here to answer any questions you may have. Call 0800 22 22 23, email us at getcovered@pinnaclelife.co.nz or use our contact us form. Alternatively, check out our award-winning free advice tool to help work out what cover is right for you.

Life Insurance provides for those you leave behind and helps them after you are gone. Having life insurance means that those you care about can have some peace of mind around making sure the mortgage and the bills are paid at a time when everything else can seem tough. A life insurance policy helps your family maintain their lifestyle if you become terminally ill or if you die unexpectedly.

For Life Insurance

• if you apply online you can get cover from $50,000 to $1,500,000.
• If you’d like to apply for cover of under $50,000 or up to $2 million contact our office (there will be some extra medical check requirements for the higher cover levels).

For Income Protection 

• Your Income Protection Cover amount cannot exceed 75% of your monthly income or $15,000 per month.
• There are also limits depending on the age of the life insured :
  • When covering 40% of the insured person’s monthly income, our cover limit is: 
    • $8,000 per month if the insured person is aged 20 to 50,
    • $6,670 per month if they are aged 51 to 54 and 
    • $5,340 per month if they’re aged 55 to 65. 
  • When covering 60% of the insured person’s monthly income, our cover limit is:
    • $12,000 per month if the insured person is aged 20 to 50, 
    • $10,000 per month if they are aged 51 to 54
    • $8,000 per month if they’re aged 55 to 65. 
  • When covering 75% of the insured person’s monthly income, our cover limit is:
    • $15,000 per month if the insured person is aged 20 to 50, 
    • $12,500 per month if they are aged 51 to 54 and $
    • 10,000 per month if they are aged 55 to 65.

Information about making a claim can be found here.

Pinnacle Life has paid out 93.6%* of all life insurance claims received since 1998 (*as of 30th April 2025).

We have a range of tools to help you work out the right amount of cover for your needs. Go through our no-obligation online advice process to find out what we recommend for you. Or find out what level of cover others of your age and gender have asked for.

To find out more about our products, and what needs they meet, please contact us on 0800 22 22 23 or by email and we’d be happy to advise you based on your current needs and circumstances.