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?
Product name

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?

What cover might I need?

Thinking about what life stage you’re at might help you get started if you’re stuck wondering what you need. Choose the option that best fits what you want to plan for, we’ll then let you know what other people planning for a similar future have asked for quotes on.


Can I make changes to my policy?

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.

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 an application?

It really depends on your answers. For many people we’ll assess your information online and you have your life insurance cover in less than 10 minutes. If you aren’t accepted online we’ll be in touch on the next working day and will let you know the next steps.

If we need further information from you it could take a 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, others can take two or three weeks or sometimes longer.

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. Use our calculator to get 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 find out more about our products, and what needs they meet, please contact us and we’d be happy to talk this through with you.

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.

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.

Still unsure?

Still unsure?

We can show you what insurance people planning for a similar future have asked about.

Help me choose
A notification message goes here.