Life Insurance

Yes you can make changes to your policy. We’ve got lots of details about making changes to your policies in our Customer Support Section. There you’ll find all the details around increasing and decreasing your cover, special event increases, changing the owner of your policy, making a claim and more.

Probably not – in fact less than 2% of customers who apply for cover need to visit a GP. Depending on your answers on the application form, we may require additional information from you or from your GP but this does not mean you have to visit them, we simply ask them to send us the relevant information from your medical file.

Occasionally we may require you to see your GP to have a medical exam or to have a blood test done, but if this is the case we will discuss it with you first.

No. You can have as many policies as you like with as many companies as you like. If you have life insurance elsewhere, you may wish to look at switching it to Pinnacle Life and saving 20% on your premiums.

If you receive income from other sources eg ACC or another government agency, this will be offset against your income protection payments. If you have an income protection product elsewhere already, we also suggest you talk to us before taking out another policy, as you may not be able to claim on both policies.

We have a range of tools to help you work out the right amount of cover for your needs. See our calculator for an estimate, or find out what level of cover others of your age and gender have asked for. You can also see what other people planning for a similar future to you have looked at. To discuss our products, and what needs they meet, please contact us and we’d be happy to discuss this with you.

Life and mortgage cover both pay out a lump sum amount in the event of death or diagnosis of terminal illness of the person insured. A terminal illness claim will be paid out if we accept medical evidence that the insured person has 12 months or less to live.

For a life cover policy we’ll pay the owner of the policy, for a mortgage cover policy we’ll pay the lending institution you nominated.

With a mortgage cover policy you will also be eligible for a 5% discount if you are taking out the policy within 3 months of getting your mortgage approved.

If you are diagnosed with a critical illness this cover will pay you a tax free lump sum.Others have used it to pay bills while they aren’t able to work, help fund their treatment, get some extra help at home. It helps make your life easier while you are dealing with an illness.

Critical Illness covers you if you are diagnosed with any one of 24 different conditions. We also offer serious illness which covers you if in the event you are diagnosed with one of four conditions.

Life Insurance provides for those you leave behind and helps them after you are gone. Having life insurance means that those around you at least 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.