LIFE INSURANCE · LIVING INSURANCE
Get two months free Life & Living Insurance after paying for your first month.*
*Two months credit is applied per policy in the second month after your policy is issued. Applies to new applications received between 11 Aug – 31 Oct ‘25. T&Cs apply.
Protect Your Future
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 everyday expenses like your mortgage, rates, power, food and other essential day to day living expenses 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 Insurance Cover
Can provide a lump sum for your loved ones after you die or if you're diagnosed with a terminal illness and are expected to die within the next 12 months.
FAQs for Kiwibank Customers
Important Information
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.
Get two months free Life & Living Insurance – terms and conditions
You (the policy owner) are eligible for this offer (Offer) if you submit an application for a new Life & Living product (Eligible Policy) between 11 August and 31 October 2025 (or such later date as nib may permit in its absolute discretion) and your application for cover is accepted by nib. Each Eligible Policy is subject to applicable policy terms, eligibility criteria and exclusions.
The Offer of two months free will be applied as a credit on each Eligible Policy in the second month after your Eligible Policy is issued and after you’ve made the minimum premium payments:
If you pay fortnightly, the first two fortnightly premium payments need to be paid
If you pay by another frequency, the first premium payment needs to be paid
The credit on each Eligible Policy is based on the lesser of two months' annualised premium for the person insured under the new Eligible Policy:
when cover starts or
at the commencement of the second month.
The credit is not transferable, refundable or redeemable for cash.
Maximum credit value of two months of your annualised premium will be applied and be limited to one Eligible Life & Living Policy for the person insured under the new Eligible Policy during this promotional period, between 11 August and 31 October 2025.
The credit will automatically go towards future premiums on the Eligible Policy and when the credit runs out, premiums will be payable at the applicable rate and the Eligible Policy will continue to be charged on the selected payment frequency. The credit may result in a partial payment being due, before payments return to the regular premium amount.
The Offer cannot be used in conjunction with any other Life & Living Insurance offers.
These terms and conditions may be updated or the Offer cancelled by nib provided this does not prejudice anyone who has already received the Offer. They were last updated on 30 July 2025. nib will publish any change on our website https://nib.co.nz.
The Offer is promoted by nib nz insurance limited, 0800 555 642, [email protected]. Level 9, 48 Shortland Street, Auckland City, 1010.