Compare life and living plans
Life & Living Insurance with nib gives you peace of mind that your loved ones can have the financial support they need if you pass away, or your lifestyle can be protected if you get really sick or can't work due to illness.
Life & Living Insurance is provided by nib nz insurance limited (trading as Kiwi Insure), which is part of the nib Group.
The following is a summary of your Life & Living Insurance options*:
Life & Living Insurance options
Life & Living Insurance with nib is flexible, so you can choose the right combination of cover to suit your needs and lifestyle.
Life cover*
Maximum cover amount: You can apply for any amount of cover.
Money is paid to you, your beneficiary, or your estate
One lump sum payment
Must be 18 - 70 years old to apply
No cover for passing away from self-inflicted harm during the first 13 months
Serious Illness Trauma cover*
Maximum amount of cover: $1 million.
Money paid to you
Full or partial payment of the amount insured depending on the severity of the specific illness
Must be 18 - 60 years old to apply
No cover for any defined cancers in first 90 days
No cover if you die within 14 days of the diagnosis of a medical condition specifically defined in the policy
Income Protection Illness cover*
Maximum amount of cover: 55% of your gross income, up to a maximum of $6,000 per month.
Money paid to you
Two or five year cover period
Must be 18 - 60 years old to apply
Must be employed for at least 25 hours per week for a single employer
No cover during the first 30 days
Monthly payment may be reduced by your other income
Protect what you care about
Being able to provide for yourself and your family when it's needed most is easy with nib.
To join, simply follow these steps:
- Call us on 0800 555 642 or book a call
- Talk with our life and living experts to help you work out how you could cover your needs
- Choose the Life & Living Insurance cover that's right for you
- Answer our health and lifestyle questions, and agree to health checks if needed
- Provide your payment details and submit your application
We'll then assess your application and let you know if we are able to cover you and on what terms.
You'll receive complimentary Temporary Accidental Death Cover while we assess your application. We'll pay the amount of the Life cover you applied for and complimentary Funeral Expenses cover ($15,000) up to a maximum of $500,000 if you die from an unexpected accidental injury. See the Temporary Accidental Death Cover Policy document for full terms and conditions (including the types of injuries that are covered).
* Important things to know
- Only the main features and benefits of the Life & Living Insurance and Temporary Accidental Death Cover are outlined here. For a full explanation of all benefits, exclusions and other terms and conditions of the cover, view the Policy documents:
- Stand down periods apply to all Living Insurance covers (Serious Illness Trauma cover or Income Protection Illness cover). This means you may not be able to claim immediately. The amount of time you have to wait will depend on details like the cover you have, what you want to claim for and if you have recently upgraded your plan.
- Life & Living Insurance is provided by nib nz insurance limited (trading as “Kiwi Insure”) and is a related company of nib nz limited (“nib”). Kiwi Insure issues and underwrites Life & Living Insurance products, and is solely responsible for claims under the cover. nib sells and may advise you on these products. Find out more about financial strength and financial advice with nib.