Terms of use

These terms govern your use of bestlifeinsurance.co.nz and everything published on it. By using the site you accept them. If you do not accept them, do not use the site.

The site is operated by Best Life Insurance, a New Zealand referral service. It is intended for New Zealand residents. If you access it from outside New Zealand you do so on your own initiative, and nothing here is directed at, or suitable for, insurance markets other than New Zealand’s.

Everything on this site is general information about insurance in New Zealand. It is not regulated financial advice and it is not a personalised recommendation. It does not take into account your objectives, your financial situation, your health or your needs, because we do not know them.

Best Life Insurance is not an insurer, is not a Financial Advice Provider, and holds no licence to give regulated financial advice. We do not sell insurance, we do not underwrite it, we do not quote premiums and we do not accept applications.

When you submit an enquiry form, your enquiry is passed to Marble Life, a New Zealand adviser firm whose Registered Financial Service Providers give the advice. Any advice you receive is theirs and is given under their licence, their engagement terms and their disclosure. Any insurance you buy is a contract between you and the insurer, governed by that insurer’s policy wording.

You should read the relevant policy document and obtain advice appropriate to your circumstances before acting on anything you read here.

Reading this site, emailing us, calling us or submitting an enquiry form does not create an adviser–client relationship between you and Best Life Insurance, and it does not create any fiduciary or professional duty on our part to advise you.

• We do not assess your needs, and we do not make recommendations.
• We do not act as your agent in dealings with any insurer or adviser.
• We cannot arrange, vary, cancel or claim on any policy, and we have no access to any insurer’s records.
• Submitting an enquiry does not create any application for insurance, and it does not put any cover in place.

An adviser–client relationship exists only if and when you engage the adviser firm on its own terms. That relationship is between you and them.

We research this site carefully, we cite our sources, and we date every figure. We do not warrant that any of it is accurate, complete or current at the moment you read it.

Premium figures

Premium figures on this site are quoted from named third-party sources on stated dates. They are not quotes, they are not offers, and they are not prices available to you. Insurers change rates without notice; published comparisons age; discounts, policy fees, payment frequency and underwriting outcomes all change what you would actually pay. Your premium is whatever the insurer offers you after underwriting, and nothing else.

Product features and definitions

Benefit definitions, exclusions, waiting periods, occupation classes, evidence limits and eligibility rules differ between insurers and change over time. Where we describe how something usually works, that is a general description of market practice, not a statement about any particular policy. The only authority on what a policy covers is the current policy wording issued by the insurer, read together with your policy schedule.

To the extent permitted by law, we exclude all warranties, express or implied, as to the accuracy, completeness, currency, reliability or fitness for any purpose of anything published on this site. Nothing on this site is a representation about any insurer’s underwriting decision, financial strength, claims practice or willingness to offer cover.

This site links to third-party websites — regulators, industry bodies, insurers, and the published sources we cite. Those links are provided because the source matters and you should be able to check us.

We do not control those sites, we are not responsible for their content, accuracy, availability, security or privacy practices, and a link is not an endorsement of the operator or of anything they sell. When you leave this site, the terms and privacy policy of the site you arrive at apply, not ours.

Insurer names, product names and trade marks referred to on this site belong to their respective owners and are used for identification and comparison only. Reference to an insurer does not imply any relationship with, endorsement by, or sponsorship from that insurer. No insurer pays for placement, ranking or wording anywhere on this site.

The text, structure, tables, design and code of this site are owned by Best Life Insurance or used under licence, and are protected by copyright.

• You may read, print and share pages for your own personal, non-commercial use.
• You may quote a short extract with attribution and a link to the page it came from.
• You may not republish, copy in substance, scrape, systematically extract, or use this content to train a model or build a competing service, without our written permission.
• You may not remove or alter any attribution, source note or date stamp, or present our material as your own.
• Our name, logo and branding may not be used without written permission.

Third-party material reproduced here — for example figures published by an industry body or a comparison site — remains the property of that source and is used with attribution for the purpose of reporting and comment.

When using this site you agree not to:

• Submit an enquiry using someone else’s details, or details you are not authorised to provide.
• Submit false or misleading information through any form.
• Attempt to interfere with, probe or gain unauthorised access to the site, its systems or the systems it connects to.
• Use automated means to access, copy or overload the site.
• Use the site for any unlawful purpose, or in any way that damages or disrupts it for others.

We may withdraw access, decline to pass on an enquiry, or remove content at any time, without notice, where we consider it necessary.

To the maximum extent permitted by law, Best Life Insurance and its operators are not liable for any loss or damage — direct, indirect, incidental, consequential or economic, including loss of profit or opportunity — arising from your use of this site, from reliance on anything published on it, from any inability to access it, or from any dealings you have with an adviser firm or an insurer that you reached through it.

That exclusion applies whether the loss arises in contract, tort, equity or otherwise, and whether or not we were told the loss was possible.

We do not exclude, restrict or modify any right or remedy that cannot lawfully be excluded, including any guarantee under the Consumer Guarantees Act 1993 that applies to you, or any right under the Fair Trading Act 1986. Where liability cannot be excluded but can be limited, our liability is limited to resupplying the relevant information or the cost of having it resupplied.

Advice given by an adviser firm, and any insurance policy you take out, are the responsibility of that firm and that insurer. We are not a party to either, and we are not responsible for their acts or omissions. Complaints about advice go to the adviser firm and, if unresolved, to its free dispute resolution scheme.

We do not guarantee that this site will be available without interruption or free of errors. Pages, tools and forms may be changed, suspended or withdrawn at any time without notice. Content is added, revised and removed as our research changes, and older figures may be updated or deleted rather than archived.

We may amend these terms at any time. The version published on this page is the version that applies, and the date it was last updated is shown at the top. Your continued use of the site after a change means you accept the amended terms, so it is worth checking this page from time to time. We will not notify you individually of changes.

These terms are governed by New Zealand law, and you and we submit to the non-exclusive jurisdiction of the New Zealand courts.

If any provision of these terms is held to be unenforceable, that provision is severed and the rest continues to apply. A failure by us to enforce any provision is not a waiver of it.

Questions about these terms can go to hello@cover4you.co.nz or 0800 468 376.