Easy online Life Insurance.
Helping New Zealanders get their Life Cover sorted for over 20 years. Get a quote in 30 secs.
Our Awards
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Officially One of New Zealand's Most Trusted Brands
We’re proud to have been named New Zealand’s Most Trusted Funeral Insurance Brand in the 2025 Reader’s Digest Trusted Brands Awards.
While we no longer sell funeral insurance, this recognition reflects something even bigger – the trust Kiwis place in us to provide simple, reliable life insurance that supports families when it matters most.
We keep things simple. Our policies are written in plain English.
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
Life Insurance - the basics in 5 minutes
Understanding the basics of life insurance doesn’t have to be daunting. In just five minutes we’ll guide you through the key points making the process simple and straightforward. Download our e-book or watch our videos for an intro to Pinnacle Life Insurance.
How it 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.
Why Pinnacle Life?
We want Kiwis to be able to protect those that matter most, in a way that is easy and affordable.
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Online cover made simple
We write everything in plain English so that it's easy to understand with no surprises. Life cover should be simple.
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Designed for Kiwis
We want every family in Aotearoa to have the choice of getting the protection of life insurance and we want it to be easy.
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Affordable Insurance
We know life can get expensive, so we tailor our advice to something you can afford.
Need help working out how much life insurance cover is right?
What type of cover should you choose? How much cover should you get? How much will it cost? For many people, this is where buying life insurance gets complicated and overwhelming. We've got the tools to help.
