Plan for peace of mind and protect one of your most valuable assets - your home.
Life insurance & Living insurance can safeguard your financial stability when life takes an unexpected turn. Whether you're unable to work due to illness, or face a serious health condition, this cover can help with your mortgage repayments and any necessary home modifications, like installing safety rails or ramps.
Income Protection Illness Cover
Can help cover mortgage payments if illness prevents you from working.
Serious Illness Trauma Cover
Can provide a lump sum payment for you to use as you need during a critical health event.
Life and Living Insurance can help protect your financial stability in case of the unexpected. If you become seriously ill or unable to work due to illness, this cover can help maintain your home and lifestyle. Life Cover can provide a lump sum payment if you pass away or are diagnosed with a terminal illness. To learn more about who will receive this payment, please refer to the Life and Living insurance fact sheet.
With Income Protection Illness Cover, you can receive monthly payments to help cover essential expenses like your mortgage, rates, power, food and other essential day to day living expenses. This can ensure that your financial obligations are met even if you’re unable to work due to illness.
Serious Illness Trauma Cover provides a lump sum payment if you’re diagnosed with a defined serious medical condition, such as cancer or a severe heart attack. You can use this payment however you choose—whether it’s covering medical bills, mortgage repayments, home modifications, or even taking a break to focus on recovery.
If your partner is covered under a Life & Living policy, the insurance can help ensure mortgage payments and other essential expenses are taken care of if they become unable to work due to illness or a serious health condition, providing financial stability for your household.
Even if you’re not the main income earner - whether working or as a stay-at-home parent, your role is invaluable. Life insurance & Living Insurance can help cover household expenses or childcare costs if something happens to you, helping your family remain financially secure.
Yes. Life insurance & Living insurance is designed to support various life events, including illness and death, with flexibility in how the payout is used to best support you and your loved ones.
Only the main features and benefits of the Life & Living Insurance is outlined here. For a full explanation of all benefits, exclusions and other terms and conditions of the cover, view the Life & Living Insurance wording.
nib nz limited 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.