Get Free Personalised Life Insurance Advice in 10 Minutes.
Not sure how much cover you actually need? Our digital advice tool calculates the right amount for you based on your income, debts, and dependents.
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How digital advice works.
Pinnacle Life's Digital Advice Platform helps New Zealanders understand how much life insurance cover they need. We are licensed by the FMA to give advice.
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You'll answer some questions.
The tool will ask you about your personal situation: things like your age, income, whether you have dependents, your debts, and your saving. We use all this information in the next steps. This usually takes around 10 minutes to complete.
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The tool calculates your insurance needs.
Also known as 'robo-advice', the tool provides algorithm-based financial advice. Using the information you provided, you'll receive a clear breakdown of options for life insurance, income protection, critical conditions and disability cover and how much we'd recommend of each.
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The choice is still yours.
The tool will give you 3 different recommendations. Each recommendation provides a different level of financial safety based on how much you want to cover. Whether that’s to be able to maintain the same lifestyle, keep paying the bills or just cover the minimum (e.g. funeral cost).
Why use our Digital Advice Tool?
Clear, Simple & Free.
We've tried to make this tool simple and easy to use, so you can take control of your finances and understand the cover amount you need. It takes around 10 minutes to complete the tool.
We're a licensed Financial Advice Provider.
As a Financial Advice Provider licensed by the Financial Markets Authority (FMA), we can provide you with personalised life insurance advice. Our digital advice tool will recommend levels of cover based on the information you provide about your situation.
No commitments.
Our digital advice is stand-alone. We recommend our products because we can ensure the premium price fits into your budget - however you are not committed to Pinnacle Life.
Frequently asked questions.
How accurate is this compared to a real advisor?
How accurate is this compared to a real advisor?
Our digital tool can help you work out how much life cover you might need and show which Pinnacle Life products suit you. It’s accurate for the information you give it and the products we offer.
It can’t compare other insurers or give advice on things outside life insurance (like health insurance), and it might not cover more complex situations like trusts or partnerships. Our digital tool provides helpful information, but it's not a substitute for full and comprehensive financial advice.
What information will I need to provide?
What information will I need to provide?
To use our Digital Advice tool, we need to understand a little about your financial situation. We’ll ask about what you earn, what you own (like your house, car, or savings), what you owe (such as loans or a mortgage), and who relies on you financially. We’ll also ask for some basic details about you, like your age, gender, and occupation.
How much cover do I need?
How much cover do I need?
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.
What types of life insurance cover does Pinnacle offer?
What types of life insurance cover does Pinnacle offer?
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.
Can I get help understanding my cover options?
Can I get help understanding my cover options?
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.
Does it matter if I have other life cover policies?
Does it matter if I have other life cover policies?
No. You can have as many policies as you like with as many companies as you like.
Why do I need life insurance?
Why do I need life insurance?
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.