Platinum Life Optional Cover

Platinum Life Insurance

In 2016 there were 9,968 motor vehicle crashes resulting in fatality or serious injury in New Zealand1. When you add up the vehicle damage, medical and legal costs, not to mention any loss of life or income, having to pay out such a large amount of money in a short amount of time can cause huge financial stress. You can add an extra layer of protection to your life insurance policy in case you or another Life Insured suffer an Accidental Death or Trauma event, so you and your loved ones will have financial help on hand in case the worst should happen.

Accidental Death Insurance

This optional cover pays an added benefit up to 50% of your Life Insurance Benefit if you or your insured partner die as a direct result of an Accident, or within 90 days of that Accident.

Please refer to the Platinum Life Policy Wording for more details.

Trauma Insurance

A serious illness or injury can cause unforeseen expenses for you and your family, which can make keeping up with everyday living a real struggle. Our optional Trauma Insurance provides a lump sum payment which can help with ongoing medical or rehabilitation costs or go towards household bills.

You can choose a Trauma Benefit from $25,000 up to 50% of your Life Insurance Benefit in the event you or another Life Insured suffer one of the following trauma conditions:

  • Benign Brain or Spinal Cord Tumour*
  • Blindness
  • Cancer*
  • Coma
  • Coronary Artery Bypass Surgery*
  • Deafness
  • Heart Valve Surgery*
  • Kidney Failure
  • Liver Failure
  • Loss of Independent Living
  • Loss of Speech
  • Loss of Use of Limbs
  • Lung Failure
  • Major Burns
  • Major Head Trauma
  • Major Organ Transplant
  • Paralysis
  • Severe Heart Attack*
  • Stroke*
  • Triple Vessel Coronary Angioplasty for
    Coronary Artery Disease*

Where certain conditions are marked with an asterisk (*), a 90-day waiting period applies for any new and unrelated occurrences of these conditions following the Acceptance Date of your Policy; the date of any Benefit increase (but only in relation to the increased amount) or the reinstatement date of a previously cancelled Policy.

If we pay a Trauma Insurance Benefit prior to paying the Life Insurance Benefit, the final Life Insurance Benefit will be reduced by the Trauma amount paid, and we will adjust your premiums to reflect the reduced cover.

Please refer to the Platinum Life Policy Wording for full definitions of each trauma condition and any other exclusions.

because moments are worth protecting

Quick & easy application

If you’re a New Zealander aged 16 to 65, you can apply for Platinum Life Insurance easily over the phone – there are no medicals, blood tests or paperwork needed.

Simply call us on 0800 111 679 for an obligation free quote or complete your quote online.


Platinum Life Insurance FAQs

Get answers to commonly asked Platinum life insurance questions.

Alternatively, you can call 0800 111 679 and one of our team members will be happy to help you.


  1. Ministry of Transport “Motor Vehicle Crashes in New Zealand 2016”, last updated 3 October 2017.