Easy online life insurance.

Look after what matters most.

Cover from as little as $15.60* per month.

Excellence Award - Best Digital Strategy Insurer/Underwriting Agency (2021 Insurance Business Awards NZ) Feefo logo See what our customers say about us 2021 Finalist - (2021 NZ Insurance Industry Awards)

Get a quick life insurance quote now

Add your details to get started:
$100,000
$1.5M
  • NZ customer service team - happy to help at any stage
  • Policies in plain English - know you're covered
  • Claims paid out since 1998 (when we started)

Need help working out what life insurance you need?

Use our tool to do your own advice.
No need to talk to anyone (that means you can do it in your pajamas).

Insurance Products

We keep things simple.
Our policies are written in plain English.

Life Insurance

More info

This policy provides for those you leave behind and helps them pay the mortgage, invest in your children’s education, put food on the table and pay the bills.

Switch to us

More info

If you already have Life Insurance with another insurance company, you could save 20% by switching to Pinnacle Life.

Income Protection

More info

Income Protection insurance pays you a monthly amount if you are unable to work, due to illness or injury. It means that while you can’t work, you can still have money coming in, so you can keep on with your life even though you’re not earning.

Critical Illness Cover

More info

Critical Illness Cover can be added to your Life Insurance policy and means that, if you suffer from one of the conditions specified in your policy, you will receive a lump sum payment. Adding Critical Illness cover to your policy helps to ease the burden on your family at a difficult time.

Disability Cover

More info

If you become totally and permanently disabled, Disability Insurance will provide you with a lump sum payment to help make life a little bit easier. It can only be purchased alongside Life Insurance.

Pinnacle Life is backed by one of the world’s largest reinsurance groups... read more

Why Pinnacle Life?

Since 1998, our passion has been making buying life insurance in Aotearoa (New Zealand) hassle free. There are lots of things that you can’t control in life, but putting protection in place to provide for your loved ones should the unthinkable happen, is something you do have control over. We want Kiwis to be able to protect those that matter most, in a way that is easy and affordable.

  • Simple online cover

    We write everything in plain English so that it's easy to understand with no surprises. We also believe that life cover should be simple, so we make sure you can do it yourself. You can get personalised advice or buy cover, usually in less than 10 minutes, all online without talking to anyone (unless you want to).

  • By Kiwis for Kiwis

    We believe that we understand what Kiwis want, because we’re Kiwis too! We want every family in Aotearoa to have the choice of getting the protection of life insurance and we want it to be easy.

  • More for less

    We know life can get expensive, so we tailor our advice to something you can afford. Because we keep things simple and because we are an online company, it costs us less to run our business. This means we pass the benefits onto you, our customers, by way of lower premiums.

What our customers say

A notification message goes here.