We've paid 95%* of the claims made on our policies
*as at 14th August 2024
Everything we do, from the moment you first take out your policy, is about making sure we can pay your claim when the time comes. Life Insurance is about being your financial safety net if the worst were to happen.
That's why we do what we do.
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2,160Claims paid
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40,000+Customers
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$88MPaid out in claims
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61%of claims made are related to cancer or heart
How to make a claim
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Get in touch with us
The best place to start is by letting us know you want to make a claim via phone (0800 22 22 23) or email (ask@pinnaclelife.co.nz). We’ll walk you through the process. We’ll also provide you with a claim form.
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Prepare your documents
We will always require certain documents, and sometimes, we may ask for additional documents which we will inform you about as we review your claim. Here is a list of documents we typically need:
- Proof of identity, like a birth certificate or passport
- Filled out claim form (contact us)
- Any other documentation we've requested
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Submit your claim
Submit your claim form and prepared documents to ask@pinnaclelife.co.nz.
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We'll process your claim
Our team will review your claim and reach out if any additional information is needed. We aim to process claims within 10 business days after receiving all information.
Once your claim is approved, we'll send you confirmation and your claim will be paid.
When can I claim?
When your policy is claimable varies from policy to policy.
Tap a policy to learn more:
Life Insurance
Learn more
Life Insurance
- When the owner of the policy dies.
- When you are diagnosed with a terminal illness and have less than 12 months to live.
Income protection
Learn more
Income protection
- You are unable to work for a longer period than your waiting period (selected when you apply for your policy).
Critical Conditions
Learn more
Critical Conditions
- If you suffer from a condition covered in your policy.
- Your policy outlines what conditions you are covered for. View the conditions you are covered for critical conditions cover, critical illness, serious illness.
Disability cover
Learn more
Disability cover
- If you become totally and permanently disabled in agreement with the definitions outlined in your policy document.
Additional benefits for Life Cover policies from November 2024 onwards
Learn more
Additional benefits for Life Cover policies from November 2024 onwards
- If your child dies.
- If you or your beneficiary require counselling.
- If you or your beneficiary require financial planning.
Mortgage & Funeral cover
Learn more
Mortgage & Funeral cover
- if you have mortgage or funeral cover with us, please refer to your policy document or contact us to see when you can claim.
If you are unsure if you can claim please contact us on 0800 22 22 23 or email ask@pinnaclelife.co.nz.
Disclaimer: The terms of your policy are outlined in your policy document and any endorsements or updates that you’ve received from us. Your claim will be managed under the terms of your policy. Not everything on this website will apply to all customers. If you are unsure of the claims in your policy, please contact us.
Who gets paid
For most policies, the claim payment will be made to the policy owner, their beneficiary, or the policy owners estate. For a mortgage, income protection, or funeral cover policy, any payment will be made to the nominated beneficiary.
More testimonials...
I just want to give a big thanks to Cathy for her help and advice especially through this tough and stressful time. We’re so pleased of the outcome which means we can plan ahead for our Mum.
Good morning Emma, Thank you so much for all your hard work. I truly appreciate your efforts and my gratitude is beyond words.
Just read your email, thank you so much for letting me know and for the condolences, appreciate it and it means a lot. You have been nothing but helpful, kind and showed compassion to have this hard process go through, it was just unexpected but you have made my grieving more stress-free.