Insurance you can sort yourself.
You don’t need a broker or advisor to get life insurance. You just need the right tools.
Build your cover yourself, with help when you want it.
Life Insurance
Life insurance provides for those you leave behind. It helps them pay the mortgage, invest in education, put food on the table, and pay the bills.
Income Protection
Income Protection pays you a monthly amount if you are unable to work due to illness or injury - so you can carry on with your life even though you're not earning.
Disability Cover
Critical Conditions Cover
Our customers say the loveliest things
View all reviewsFriendly, patient and helpful.
Staff are very friendly and professional.
Very fast service and considerate in all aspects.
Amazing online platform and awesome follow up from the pinnacle team. Should be an example to all other insurance companies
What makes us different?
We make it easy for you to take control and protect what matters, all by yourself in minutes.
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Done at your pace, on your terms.
No appointments, no phone calls, no waiting around. Do it yourself when it suits you - whether that’s lunchtime today or midnight tonight.
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Backed by real support.
Technology first, but never technology only. If you have questions, real people are ready to help - it’s your choice.
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Technology that works, people who care.
You don’t need a broker or advisor to get life insurance. You just need the right tools.
How our insurance works
If you change your mind within 30 days, we guarantee a full refund - no questions asked.
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1
Get a quote
Select your products and add a few details to get started (you can edit products later). Adjust your lump sum payout amount and monthly premiums to find the right balance for you.
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2
Apply online
We’ll ask you some health and lifestyle questions; depending on your answers, you could be covered in just 10 minutes.
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3
Get covered
We’ll email you your policy. Your cover starts immediately, provided we receive your first payment within 14 days.
Frequently asked questions
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.
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.
How does someone make a claim?
How does someone make a claim?
Information about making a claim can be found here.
What percentage of claims gets paid out?
What percentage of claims gets paid out?
Pinnacle Life has paid out 93.6%* of all life insurance claims received since 1998 (*as of 30th April 2025).
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.