Compare cover with a licensed adviser
One form. One adviser. A written comparison across the major insurers — including an honest answer about whether you need less cover than you think.
What we do, and what we do not do
bestlifeinsurance.co.nz is a referral and lead generation service. We are not a licensed financial adviser, insurer, or insurance broker, and we do not quote premiums or sell policies. What this form does is put you in front of one NZ-licensed financial adviser, regulated under the Financial Markets Conduct Act 2013, who compares the market and gives the advice.
Nothing on this site is personalised financial advice. It cannot be — we do not know your circumstances. The adviser’s job is to find that out properly and then recommend something in writing that you can hold them to.
What happens after you submit
- 1
An adviser gets in touch
Usually within one business day. If you have said when suits, they will work around it.
- 2
A proper conversation
Who depends on you, what you owe, what you already hold, what you are actually worried about. About twenty minutes.
- 3
They shop the market
Quotes across the major insurers, and a check on which of them will take your health history on the best terms — before any formal application creates a record.
- 4
A written recommendation
Options side by side, with the reasoning. You decide in your own time, or not at all.
Before you fill anything in
If you already hold cover, do not cancel it while you are exploring alternatives. Cover is not in force until a new insurer has formally accepted and issued it, and your health may have changed since you last applied. Read how to switch safely first.
We do not sell your details. Your enquiry goes to one adviser firm. You can ask them for their disclosure statement, and you can look any New Zealand adviser up for free on the Financial Service Providers Register before you speak to them. If you would rather ask something before you commit to anything, use the contact form.
Our insurer panel
Advisers compare the major life insurers
One conversation, the whole panel. The recommendation fits you — not one insurer’s product range.
Insurer availability depends on the product, your age and your health. Not every insurer will be able to offer you cover. AA Life, Pinnacle Life, Westpac Life sell direct to the public only, so no adviser can place them for you. Asteron Life is sold through advisers but not on our panel today. We still cover all of them in our written comparisons.