Disclaimer

Everything published on bestlifeinsurance.co.nz is general information about insurance in New Zealand. It is not regulated financial advice within the meaning of the Financial Markets Conduct Act 2013 and the financial advice regime made under it, and it is not a personalised recommendation or opinion about any product for any individual.

It cannot be personalised advice, for a straightforward reason: we do not know anything about you. We do not know your income, your debts, your health, your occupation, your family, your existing cover, your tax position or what you are trying to achieve. Advice that ignores all of that is not advice.

bestlifeinsurance.co.nz is a referral and lead generation service. We are not a licensed financial adviser, insurer, or insurance broker. The information on this website is general in nature and does not constitute financial advice or a recommendation to purchase any insurance product. The advisers we refer enquiries to are NZ-licensed financial advisers regulated under the Financial Markets Conduct Act 2013 (FMCA). Before proceeding with any insurance product you will receive a disclosure statement from your adviser outlining their licensing, commissions, and any conflicts of interest.

To be specific about what that means, the following are all things we are not.

• We are not an insurer. We do not underwrite risk, we issue no policies, and we pay no claims.
• We are not a Financial Advice Provider and we hold no licence to give regulated financial advice in New Zealand. Nobody at this site is giving you advice.
• We are not your adviser, your broker or your agent, and using this site creates no adviser–client relationship with us.
• We do not sell insurance, quote premiums, accept applications, arrange cover or handle claims.
• We are not a comparison engine producing personalised quotes. The figures we publish are drawn from named third-party sources, not generated for you.

When you complete a form on this site, your enquiry is passed to Marble Life, a New Zealand adviser firm. Its Registered Financial Service Providers hold the licence, do the fact-find, compare the market and give the advice. Any recommendation you receive is theirs, given under their licence and their disclosure obligations. Any policy you buy is a contract between you and the insurer.

This site writes about health conditions because insurers underwrite them. That is a commercial subject, not a clinical one.

• Nothing here is medical advice. We do not diagnose, we do not comment on prognosis or severity, and we do not suggest treatment. Where we describe how insurers typically treat a condition, that is a description of underwriting practice. It says nothing about your health. Talk to your doctor about your health.
• Nothing here is legal advice. Beneficiary nominations, wills, trusts, relationship property and business agreements all have consequences we cannot assess for you. Talk to a lawyer.
• Nothing here is tax or accounting advice. The tax treatment of premiums and payouts depends on who owns the policy, who pays for it, who benefits and why. It changes with the facts and it changes with the law. Talk to an accountant or tax adviser.

Never delay seeking medical attention, and never stop or change treatment, because of anything you read on an insurance website.

Every premium figure on this site is taken from a named public source and carries the date that source was published or last updated. We do not calculate premiums and we do not generate quotes. The market data on this site was last re-checked on 2026-09-04.

Those figures come with real limits, and they matter more than the numbers do.

• They are historical. Insurers change rates without notice, and a published comparison can be out of date within weeks.
• They describe a profile, not a person — usually a healthy non-smoker of a stated age taking a stated sum insured. If any of that is not you, the figure is not yours.
• They usually exclude discounts, and they may exclude or include policy fees, payment-frequency loadings and optional benefits differently between sources.
• They compare a product name, not a policy. Two policies at the same price can have materially different definitions, exclusions and waiting periods, and the cheaper one is often the one that pays least.
• They say nothing about what you will be charged after underwriting.

Product features are subject to the same caution. Benefit definitions, occupation classes, evidence limits, waiting periods and eligibility rules differ between insurers and change over time. Where we say something happens “typically”, we mean it is common market practice, not that it is true of a particular policy.

Nothing on this site should be read as an indication that you will be offered cover, or offered it on standard terms, or offered it at any particular price.

Every application is individually assessed. Depending on what the insurer finds, the outcome may be standard terms, a premium loading, an exclusion for a part of your body or a particular condition, a deferral for a period, an offer of reduced benefits, or a decline. Different insurers reach different conclusions on identical medical histories, which is one of the main reasons an adviser is useful.

Once cover is issued, what you are covered for is decided by the policy wording and your policy schedule, including every exclusion, definition, waiting period, stand-down and any special term applied to you. A benefit name tells you almost nothing. The definition behind it tells you everything.

We make no representation about any insurer’s underwriting appetite, financial strength, claims-paying record or willingness to cover any condition. Those change, they are insurer-specific, and they are not ours to state.

We research carefully, cite sources and date figures. We do not warrant that anything here is accurate, complete or current at the time you read it, and to the extent permitted by law we accept no liability for loss arising from reliance on it. Our full position on liability is in our terms of use.

Insurer names, product names and trade marks belong to their owners and are used for identification and comparison. Reference to an insurer is not an endorsement and does not imply any relationship with them. No insurer pays for placement, ranking or wording on this site.

We are paid a referral fee by the adviser firm when we pass on an enquiry, which is a commercial interest you are entitled to weigh. We set the whole arrangement out on our “How we get paid” page rather than burying it here.

If you find an error, tell us at hello@cover4you.co.nz and we will check it and correct it.

1. 1Read the current policy wording for the product you are considering, and read the exclusions and definitions rather than the brochure.
2. 2Get advice from a licensed New Zealand adviser who has asked you about your health, your income, your debts and your dependants, and ask for the recommendation in writing.
3. 3Disclose everything the application asks for, completely and accurately. Non-disclosure is the most common reason a claim that should have been paid is not.
4. 4If you are replacing cover, do not cancel the old policy until the new insurer has formally accepted you and issued the policy, and you have compared the two wordings benefit by benefit.
5. 5Check the adviser and the insurer on the Financial Service Providers Register, and ask which free dispute resolution scheme they belong to. Both cost nothing to check.

If you are unsure whether cover is worth buying at all, that is a legitimate question and a good adviser will answer it honestly. Sometimes the answer is no.