Southern Cross Life Insurance Review 2025
New Zealand's #1 ranked life insurance provider. Comprehensive coverage with health member discounts and 2 months free for new policies.
#1
Market Ranking
$2M
Max Coverage
2
Months Free
10%
Health Discount
Why Southern Cross Life Ranks #1
Strong Financial Rating
Excellent financial stability and claims-paying ability
Health Member Benefits
10% discount for Southern Cross Health Society members
Terminal Illness Cover
Included at no extra cost with all policies
New Customer Offer
Join and get 2 months free on your life insurance
Quick Quote Estimate
Age 30, $500k coverage:~$45/month
Age 40, $500k coverage:~$75/month
Age 50, $500k coverage:~$140/month
*Estimates only. Actual premiums depend on health, lifestyle, and underwriting.
Get Personalized QuoteSouthern Cross Life Coverage Options
Term Life Insurance
- Coverage from $50,000 to $2,000,000
- Level or reducing coverage options
- Renewable to age 65
- Terminal illness benefit included
From $35/month
Based on age 25, $250k coverage
Whole of Life Insurance
- Guaranteed acceptance (no medical)
- Coverage from $5,000 to $25,000
- Available ages 50-80
- Fixed premiums for life
From $15/month
Based on age 50, $5k coverage
Southern Cross Life: Pros and Cons
Advantages
- ✓ #1 market ranking and reputation
- ✓ Strong financial stability ratings
- ✓ 10% discount for health members
- ✓ 2 months free for new customers
- ✓ Terminal illness cover included
- ✓ High coverage limits up to $2M
- ✓ Established NZ health expertise
Considerations
- × Premiums may be higher than some competitors
- × Medical exams required for larger policies
- × Discount only available to health members
- × Limited guaranteed acceptance options
- × May have stricter underwriting criteria
Is Southern Cross Life Right for You?
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