Yes. Your adviser is paid by the insurer when a policy is placed, so it is free for you.

Will this affect my medical records or credit score?

No. Filling in this form does not touch your credit file or medical records. Your adviser only requests information you agree to share.

I already have some cover, should I still check?

Yes. An adviser can review your existing life cover and compare other options. Keep your current policy in place until you understand any differences and have replacement cover confirmed.

What if I have a pre-existing condition?

Your adviser will match you with insurers most likely to offer suitable cover for your situation and explain the options clearly.

A licensed NZ insurance adviser, usually within 1 hour. No call centres.

How many times will I be contacted?

One adviser, one call. From there you decide what happens next, and you can ask them to stop contacting you at any time.

What happens to my information?

It is encrypted, shared only with the licensed adviser matched to you, and never sold to third parties.

Cover Easy | Review or compare NZ life insurance

Rated 4.8/5 by 820+ Kiwis

We Help Kiwis Compare And Save Hundreds On Their Insurance

Compare NZ life insurers, whether you have cover or not. Free, about 60 seconds, no obligation.

Who are you protecting?

Insurers your adviser may compare for you. Free, no obligation.

A useful check, wherever you're starting

Already have life cover?

See how your current policy fits your needs and compare other options. No need to cancel what you have to check.

Not covered yet?

Get a starting cover estimate and explore life cover options that suit your household and budget.

Life insurers your adviser can compare.

Why get life insurance

Life cover can give the people you care about a financial safety net if you die. The right amount depends on your household, your debts and any cover you already have.

Your family keeps their home

A payout could help your family keep the home or pay down the mortgage.

Cover that suits your budget

Compare amounts and prices before deciding what works for your family.

Prices vary between insurers

Prices and policy features vary. Looking at more than one insurer can help you find a better fit.

Understand your options now

Age and health can affect eligibility and cost. An adviser can explain what may be available to you.

Compare life cover without doing it all yourself

Premiums and underwriting rules change constantly, and no single insurer is best for everyone. Your adviser compares them side by side for your situation.

Partners Life

One of NZ's largest life insurers, strong on cover options

AIA

Wide product range with health and wellbeing rewards

Fidelity Life

NZ owned, often competitive for families

Asteron Life

Good options for self employed and business cover

Chubb Life

Simple, straightforward life cover at sharp pricing

Southern Cross

Well known for health cover alongside life protection

What other Kiwis say

Rated 4.9 out of 5 by Kiwis we've introduced

Saved $85 a month

“The adviser found us the same life cover for $85 less a month than we were paying. That is over $1,000 a year.”

Hannah T, Tauranga

Got $500,000 cover

“Filled in the form on a Sunday night, had a call Monday morning, and my policy was sorted within a week.”

Marcus L, Christchurch

Zero paperwork stress

“Easiest financial decision I've made. The adviser did all the paperwork and chased the insurer for me.”

Aroha M, Wellington

How it works

Answer a few questions

About a minute, no medical exam, no documents needed.

An adviser calls you,

One licensed NZ adviser reviews your answers and calls with your options, usually within 1 hour.

You decide, they do the rest

If it stacks up, your adviser handles the application and the insurer. Free to you either way.

Free, no obligation, no medical exam to start.

Common questions

Cover Easy is used solely for marketing purposes and no financial advice is provided directly from this site. Cover Easy introduces you to a licensed insurance adviser who can give you individual advice and match you to a suitable solution for your personal circumstances. These advisers are licensed and registered Financial Advice Providers listed on the Financial Service Provider Register (FSPR), and are regulated by the Financial Markets Authority (fma.govt.nz). Every adviser will provide a Disclosure Statement and their FSP number as required by law. At no time do we provide advice of any type. Once you obtain advice from an adviser, your relationship is with that adviser, and we are not responsible for that advice. Please refer to our complete Disclosure and Privacy Policy.

Nothing on this website constitutes financial advice.

On the final form you can choose whether to be contacted by one licensed NZ insurance adviser. We do not sell your details. See our Terms & Conditions and Privacy Policy.

Eligibility and insurer criteria apply. Premiums vary by insurer and are subject to underwriting, including any exclusions or loadings for pre-existing conditions.

Review or compare life insurance in New Zealand