Switch to us

We no longer offer a discount if you switch to Pinnacle Life from another provider. Of course you can still take out a new policy with us. Start by getting a quote and finding out how much cover with Pinnacle Life might cost.

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The Basics

What cover might I need?

Working out what life insurance is right for you and your family can be confusing and challenging. We know not everyone wants to talk to an adviser but that you do want to make the right choices.

You don’t have to talk to an adviser to get advice about life insurance, because we’ve developed a tool that does the same job.


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.

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

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

If we can’t accept your application online immediately, we’ll be in touch to let you know the next steps.

If that means we need more information from you, then the process may take another day or two. 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 to three weeks or longer.

We do everything we can to make your application as quick and easy as we can. If you are worried your application is taking longer than it should, please get in touch by emailing us at ask@pinnaclelife.co.nz or phoning 0800 22 22 23.

How much Life Insurance 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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