We’ll be there when life needs to keep moving.
Flexible Life Insurance options to suit New Zealanders.
Get in touch for a quote.
Why choose Platinum Life Insurance to protect your family?
Our straightforward Life Insurance could provide a lump sum payment of up to $1 million to help with major household expenses such as mortgage, household bills or school fees when you pass away or are diagnosed with a Terminal Illness. Applying for cover is simple, with most applications organised over the phone.
We make it easy & accessible.
If you’re a New Zealander aged 18 to 65, you can get your policy organised over the phone and most policies are issued with no paperwork or medicals required. You can also pay your premiums fortnightly, monthly, or annually at no extra costs.
We keep it flexible.
You can choose the amount of Life Insurance cover that’s right for you, with options from $50,000 up to $1 million, based on your age at application. Plus, each year, your cover amount increases by 3% to help keep up with cost-of-living changes.
More affordable than you may think.
Our premiums are affordable. You can tailor the cover amount to fit your needs and budget, with $250,000 cover starting at just $3.77 per week.1
1Based on a female non-smoker, aged 32 with no premium loadings and/ or exclusions.
We’re local, like you.
Our team is based in Aotearoa, New Zealand, so you’re talking to locals who understand New Zealanders and what’s important to us.
Early access to your benefit when it counts.
If you pass away, your family can get a $10,000 Advance Funeral Payment to help with your funeral and other final expenses.2
2Available once a Policy has been held for at least 24 consecutive months.
Free Accidental Death Cover from day one.3
While you wait for your policy to be issued, you’ll automatically be provided with free Interim Accidental Death Cover equal to the benefit amount you applied for, or $500k, whichever is the lesser.
3Subject to the terms and conditions explained in the Policy Wording.
Access to a discounted will with Public Trust.
It feels good to tick things off your to-do list, like life insurance. We’ve partnered with Public Trust to offer you 20% off your online will.
Worldwide protection.
Rest easy with worldwide coverage, 24 hours a day, 7 days a week.
Get in touch for a quote.
Why choose Momentum Life?
Fresh approach, backed by the best.
Established in 2018 to bring a new offer direct to New Zealand – backed by Hannover Re, one of the largest reinsurance groups in the world.
Deal direct with us, here in NZ.
We’re based right here in New Zealand, so you can talk directly with a local about your insurance needs with no middleman.
Recognised by industry & community.
Our team win awards for their friendly service, and our customers are some of our biggest fans – check out some of our awards and reviews.
We make it easy & accessible.
Everything we do is to make it simple, easy and accessible for New Zealanders to access the Life and Funeral Insurance that’s right for them.
Our local team win awards for their service.
We’re proud to be recognised for our service year after year by leading organisations such as Reader’s Digest and Feefo.
What our customers are saying.
We’re not just recognised for our awards, importantly it’s our customers and community that sing our praises also.
Google 4.6/5 
Feefo 4.6/5 Get in touch for a quote.
More about Life Insurance.
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What is Platinum Life Insurance?
- It’s cover that takes care of you and your family for up to $1m if you pass away or get diagnosed with a terminal illness. This helps you and your family keep moving when the unexpected happens, covering some living costs like mortgages or your kids’ schooling. Getting covered is a breeze – you can sort everything out over the phone for applications. Easy.
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Who can get Platinum Life Insurance?
- You're eligible to apply if you’re between 18 and 65 years old and a resident of New Zealand. The best part? There is no need for medicals, blood tests or paperwork in most cases.
- You can get cover just for yourself or add your partner to your Policy. One Policy can cover a maximum of two adult lives.
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How much Platinum Life Insurance can I get?
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Your Platinum Life Insurance Benefit can range from $50,000 up to a maximum of $1 million per Life Insured, depending on your age:
- Ages 18 to 54: Max $1,000,000
- Ages 55 to 60: Max $750,000
- Ages 61 to 65: Max $500,000
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Your Platinum Life Insurance Benefit can range from $50,000 up to a maximum of $1 million per Life Insured, depending on your age:
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How long can I keep my Platinum Life Insurance?
- As long as you keep up with your premiums, you can have Platinum Life Insurance for life. Plus, once you reach 90, you don’t have to pay premiums anymore, and your coverage keeps going at no cost.
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What is covered under Platinum Life Insurance?
- With Platinum Life Insurance, your chosen Life Insurance Benefit could be paid out as a lump sum in the event of your death or diagnosis of a Terminal Illness.
Our journal.
A few things to note.
1.
If you or your insured partner dies, or has a Terminal Illness caused or contributed to, directly or indirectly, by suicide, attempted suicide or intentional self-injury, within the first 13 months of your policy being issued or reinstated, you’re benefit won’t be paid out.
2.
Any increase to your Platinum Life Insurance is also subject to the first 13-month limitation.
3.
If you currently hold another insurance policy, you should carefully consider the terms and conditions of both policies before you replace it with this Policy. Replacing an existing life policy comes with risks such as losing certain benefits, differences in policy terms, conditions and exclusions, and the implications of any nondisclosure on your new application (even when unintentional). Any pre-existing medical conditions may not be covered, and waiting periods may apply. As such you should not cancel any existing cover until your new application is accepted and you are satisfied the product is suitable for you, including seeking independent advice if you are unsure.
4.
This life insurance by itself may not suit your insurance needs or those of your Partner.
Please make sure you're aware of the full range of options available to you before taking out cover and seek independent financial advice if required.
