Switch to us

Apply to Switch Now What would I save?

Switch your existing Life Insurance policy to Pinnacle Life and save 20%.

Apply to switch online and we’ll send you a no-obligation quote to look over. We’ll then manage the switch process for you to make sure that you’re covered throughout.

Apply to Switch Now What would I save?
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Reviewing your cover at the same time?

Find out what we recommend for you with online personal advice.

Here are some examples of customers who have saved money by switching their Life Insurance to Pinnacle Life.

The Basics

Switch Life Insurance - How does it work?

At Pinnacle Life we are passionate about every kiwi having access to Life Insurance, so we pass the savings we make on keeping our costs low, through clever technology and selling directly to customers, to you.

You will be offered the 20% discount on your premiums if...

  • Your health and lifestyle is about the same as when you purchased your existing policy.
  • We might be able to offer you more than a 20% discount if your health or lifestyle has improved, such as, you’ve given up smoking for over 12 months.
  • Your existing policy is up to $2million including any combination of Life Insurance with Disability, Trauma and Accidental Death benefits. (If you’ve got other benefits we may be able to help you split that policy and save 20% on the Life Insurance - so apply anyway just to check).

How to switch your policy to Pinnacle Life and save money on Life Insurance...

  • Switching to Pinnacle Life is simple, just complete our online application. If you have your existing schedule handy, it should take about 10 minutes. We’ll also ask you some questions about your current health and lifestyle.
  • We'll need details of your existing policy. You can either upload the documents (we accept PDF / JPG / TIF / PNG formats) or enter the details yourself.
  • We’ll look over the information you give us. If we have everything we need we’ll send you a formal offer to look over. If we need more details we'll be in touch.
  • Once you’ve reviewed our offer, make sure you are happy with it, and contact us with any questions.
  • If you decide to accept our policy offer there will be a few pieces of paper to sign and send back to us. Easy!
What would I save?


Can I make changes to my policy?

Yes, you can make changes to your policy. You can

- increase your cover

- decrease your cover

- make a special event increase which means you may be able to increase your cover without asking for updated health information such as if you've gotten married, entered a civil union, divorced, or become a parent in the last six months of your policy.

To make any of these changes and others go to our Customer Support Section. Otherwise contact our customer service team on 0800 22 22 23.

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. If you have life insurance elsewhere, you may wish to look at switching it to Pinnacle Life and saving 20% on your premiums.

How long does it take to assess or process an application?

It depends on your answers to the health and lifestyle questions we have to ask to be able to offer you cover. For many people, we will be able to assess your information online fully, and you will have Life Insurance in less than 10 minutes.

If you aren’t accepted straight away online, we’ll be in touch on the next working day and will let you know the next steps.

If that means we need more information from you, then the process may take another day or two, while if we need information from your GP, it will depend on how quickly your GP responds to our request. Some doctors respond within a week, and others can take two or three weeks or sometimes longer.

So how long it takes depends on several factors, mostly outside of the control of Pinnacle Life, but we do everything we can to make it as easy and simple as we can.

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 if I have a health problem? / Why do you want to know all of my medical history?

We assess your health at the time of your application to ensure that the price we charge you reflects the risks associated with your health. Doing this assessment at the time of application means there should be no hiccups or delays if you need to make a claim.

Having a health issue shouldn’t stop you from applying.

Your health conditions might affect your application, as depending on the condition, we may:

  • accept your application at standard premiums, or
  • we may ask you to pay a higher premium than the standard (called a loading), or
  • we may defer your application for up to 12 months.

If, after you’ve answered our questions, we need more details about your health we may ask for your permission to get notes from your doctor. We ask for these details so that we can make a fair and accurate assessment of your application for cover by having an accurate picture of your health.

Who underwrites your policies?

Pinnacle Life is a licenced life insurer, our policies are not underwritten by any other company. Our policies are reinsured with Hannover Life Re of Australasia as part of our prudent financial management.

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