Life insurance for New Zealanders

Protect the people who depend on you

Answer a few quick questions and we'll connect you with a licensed New Zealand financial adviser who can compare life cover options for your situation. Free to use, with no obligation.

Check my cover options How it works

Takes about 60 seconds
Licensed NZ advisers
No cost, no pressure

Life insurance explained

How life insurance works

Life insurance pays a lump sum to the people you choose if you pass away while your policy is active, in return for regular premiums.

A lump sum for your family

If the worst happens, your policy pays out a lump sum to your beneficiaries, so they're not left facing the bills on their own.

Used where it's needed most

Families often use the payout to help clear the mortgage, pay off debts, cover living costs or fund their children's future.

Cover that changes with you

Many policies can be reviewed as life changes, like a new home, a new baby or a change in income, so your cover keeps up.

How it works

Three simple steps to the right cover

Eternal Cover doesn't sell insurance or give advice. We introduce you to a licensed adviser who does.

1

Answer a few questions

Tell us a little about yourself and the cover you're looking for. It takes about a minute.
2

Talk to a licensed adviser

A licensed New Zealand financial adviser calls to understand your situation and compare options.
3

Decide in your own time

If an option suits you, your adviser helps you apply. If not, there's no obligation to go ahead.

Start my free check

Why use an adviser

Expert help, without the hassle

Choosing life cover on your own can be confusing. A licensed adviser does the legwork with you.

Compare insurers

Advisers can compare policies from a range of New Zealand insurers, not just one.

Plain-English terms

They explain what's covered, what isn't, and what the fine print means for you.

Licensed and registered

Our partner advisers are registered on the Financial Service Providers Register and regulated by the FMA.

Usually no cost to you

Advisers are typically paid by the insurer, so their advice usually costs you nothing. They'll confirm this up front.

What people say

Feedback from people we've helped

"Eternal Cover made it easy to find an adviser. They were straightforward to deal with, and the premiums fit my budget."

RFRandall F.

"My adviser explained everything clearly and found cover with premiums I could afford."

ATAnita T.

"I feel much more secure knowing my family is covered. I'd recommend Eternal Cover to anyone thinking about life insurance."

AHAhmad H.

Testimonials may use actors to present feedback received from real clients or partners.

Common questions

Life insurance FAQs

How much life cover do I need?

It depends on your income, your mortgage and other debts, your living costs and the people who rely on you. A common starting point is enough to clear major debts and support your family for several years. An adviser can help you work out an amount that fits.

What affects how much I pay?

Premiums depend on things like your age, whether you smoke, your health history, your occupation and how much cover you choose. Higher-risk activities or pre-existing conditions can also affect the price.

Do I need a medical exam?

Often not. Many applications only need you to answer health and lifestyle questions. For larger amounts of cover or more complex health histories, an insurer may ask for more medical information.

Can I change my cover later?

Usually, yes. You can often reduce your cover, which may lower your premium. Increasing it may mean answering more health questions and paying a higher premium.

Why talk to an adviser instead of going direct?

An adviser can compare options from several insurers, explain the terms in plain English and help you choose cover that suits your situation. Advisers are usually paid by the insurer, so their advice typically costs you nothing. They'll give you a disclosure statement explaining how they're paid.

What happens if I stop paying my premiums?

Most policies have a short grace period. If premiums still aren't paid after that, the policy can lapse and the cover ends. If you're struggling to pay, talk to your adviser or insurer first, as there may be options such as reducing your cover.

See what life cover you could get

A few quick questions, then a licensed adviser helps you compare your options. No cost and no obligation.

Check my cover options

Your information is kept private and secure

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

Nothing on this website constitutes financial advice.

We will sometimes use testimonials or case studies from our clients or partners and publish these online, including on social media. Where do this, we will often use actors to deliver and present the content that we have received from real clients or partners.