You're happily single
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.
One couple were paying $1,224 per year for their existing cover. We had a look at their situation and realised our new policy rates were even better for them than our 20% off switch offer – they ended up paying only $901 per year - that was a 27% saving for the same level of cover.
Another couple had to provide some medical info before they switched to Pinnacle Life. They were paying $363 per month and that went down to $291 per month.They saved nearly $900 in first twelve months alone. Over five years they’ll save well over $5,000.
A customer switched to Pinnacle Life, and decided to keep their premiums the same - so we were able to offer them an extra $150k life cover for the same price.
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...
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.
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.
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.
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.
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.
We assess your health at the time of your application in order to ensure that the price you are charged reflects the risks associated with your health. This means there should be no hiccups or delays when it comes to claim time. Having a health issue shouldn’t stop you from applying. Your health conditions might affect your application, as depending on the condition, we may be able to accept your application at standard rates, or alternatively 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.
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. Further information on Hannover is available here
We can show you what insurance people planning for a similar future have asked about.Help me choose
And we'll send you through information about switching to Pinnacle Life.