FAQs

We offer a comprehensive Life Insurance policy where you set the tax-free payout amount. You can add your partner for a joint policy and enhance your cover with options like Critical Conditions, Disability, or Income Protection.

Apply online for life insurance in just 10 minutes. Get a quote in 30 seconds by providing your gender, age, and smoking status. Adjust the tax-free payout amount to fit your needs, and if you’re happy with the monthly premium, answer a few health questions and set up your payment. Need help? Our team is here to support you every step of the way. Call 0800 22 22 23 or contact us anytime.

Most of our customers don't need a medical exam. However, occasionally, we may need more information from your doctor to assess your application, and sometimes, we may ask for a medical exam or a blood test. If this is the case, we will discuss it with you first. 

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.

You can learn more about claims here. Alternatively, simply give us a call at 0800 22 22 23 or email ask@pinnaclelife.co.nz. We’ll walk you through the process and let you know what information we need. We aim to pay most claims within 7-10 days of receiving all the required documentation.  

Pinnacle Life has paid 95.1%* of the claims made on our policies. That’s because everything we do, from the moment you first take out a policy, is about making sure we can pay your claim when the time comes. As long as you provide accurate information in your application, pay your premiums on time, and keep us updated on any health or lifestyle changes, you can rest assured that we will pay out as promised.

*as at 14th August 2024.

Life insurance takes care of the ones you leave behind. It is there to ensure that when you pass away, your loved ones will receive a tax-free, lump-sum payment of money.

The purpose of Life Insurance is to relieve your loved ones of any financial burden when you die. When you take out your policy and are deciding how much cover you need, consider how much debt you have and what you don't want your family to have to deal with. That might include things like a mortgage, funeral expenses, rent, schools fees and more.

There are a number of factors that affect the premiums you can expect to pay on your life insurance. These are tailored according to your age, gender and smoking status and can also be affected by your health and lifestyle.

Life insurance is usually paid out upon your death. However, you can also get it paid out early if you are diagnosed with a terminal illness leaving you with only 6-12 months (depending on your policy) or less to live.

When choosing your Life Insurance start by choosing a provider that you trust. Then compare prices and any extra cover that you want, for example, Critical Conditions or Disability Cover. Life insurance premiums increase over time as you age and to keep up with inflation (you can turn this off at any time). It’s up to you to choose the lump-sum amount of your life insurance when you first take it out. If you get stuck our customer service team at Pinnacle Life are able to help you make the best decision for you or try our free advice tool.

At Pinnacle Life, our priority is to help you provide for those you leave behind. We believe Life Insurance should be accessible to everyone and that you should be able to sort it yourself if you want to. You can get Pinnacle life Insurance all online in under 10 minutes or if you get stuck our customer service team can help you work out the right life insurance cover for you.

Life insurance pays for any cause of death, including terminal illnesses and accidents and yes, life insurance policies do cover suicide, It is however typical for policies to not provide cover for suicide for at least the first 13 months. The main reason for this is to make sure that people who may be thinking about suicide aren't influenced by thinking that their family will be financially looked after immediately – when really the most important thing to the family is having that person around in the future.

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.

Term Life Insurance is one way to ensure you can leave a legacy. You just need to make sure that your cover includes the amount you want to gift. But, at the same time, you should also be saving for the legacy you want to leave. As you get older, your premiums will get more expensive, which means that long term you’ll probably want to reduce your cover or cancel it. So just like eventually you’ll pay your mortgage off and won’t need life insurance; eventually, you should have your legacy saved, and you won’t need to pay for life insurance to cover it either. You don’t want to live to 93 and feel trapped paying premiums so that you can leave behind a legacy.