Find your life cover in 60 seconds

Pick the situations that match you. We'll rank NZ life-insurance policies on the actual clauses that matter for those situations — not generic premium tables.

Mechanical clause matching only — not personalised financial advice. Use the shortlist as input to a conversation with a licensed adviser.

Which of these apply to you? (pick 1-3)

Cover the mortgage if I die — young family

Sum-insured sized to discharge the mortgage + replace income through the kids' school years.

Income protection for self-employed / contractor

Indemnity vs agreed-value, wait period, benefit period — the policy market is highly variable.

Trauma / critical illness — what's actually covered

Cancer staging, MI severity threshold, partial-payment-condition list — wildly variable.

TPD for a physical-occupation worker

Own occupation vs any occupation TPD makes a massive difference for tradies, nurses, drivers.

Buyer over 50 with existing health conditions

Loadings, exclusions, max entry age — the cover-gets-harder zone.

KiwiSaver-attached / employer cover — am I underinsured?

Group + KiwiSaver-attached cover is convenient but capped — when to top up with standalone.

No matches yet. The /api/clause-search endpoint may not be live yet (Netlify Deploy Key setup pending) or no life wordings have been indexed for your scenarios.

Data source: insurer-direct policy wording PDFs. Each ranked result links back to the verbatim source clause + the insurer's PDF. License: CC BY 4.0 — attribute https://lifeinsurer.co.nz.