Mechanical comparison from each insurer's policy wording.
Snapshot 2026-05-20T08:21:45.034Z.
Asteron Life
Asteron Life Complete – Life CoverBrochure
Wording v2024-10-14
Source captured 19 months ago.
Partners Life
YouChoose Life CoverBrochure
Wording v2025-10-08
Asteron Life
You can apply to receive your Life Cover payment straight away if you're given less than 12 months to live. We normally pay this within seven days after you place a claim with us.
Partners Life
Pays a lump sum if you're diagnosed as likely to pass away within the next 12 months.
Full cross-market comparison: /topics/terminal-illness-benefit
Asteron Life
We will make an advance payment of $15,000 or $25,000 from your Life Cover when a life insurance claim is accepted. This pays for immediate expenses such as a funeral.
Partners Life
Provides advance payment of some or all of your sum insured to help with expenses until the proceeds of a life policy can be legally released. Pays the lesser of $25,000 or your sum insured, immediately on notification of death.
Full cross-market comparison: /topics/funeral-advance-benefit
We don't publish a hardcoded premium comparison table. Real premiums depend on individual underwriting at quote time (age, sex, smoker, occupation, health history, sum-insured + term). Quote with each insurer directly via their provider page.
Use /find-my-policy to pick the scenarios that match you — we rank NZ life policies on aggregate clause-fit score.
Not personalised financial advice. Mechanical comparison from insurer-direct wordings. Quote with each insurer.
