OneChoice Life Insurance

Life is better when you don’t need to worry about things going wrong. That’s why OneChoice lets you focus on enjoying it, with trusted cover that’s there for you and your family should the worst happen.

It’s not just about insuring your life; you can also add optional cover for serious illnesses or permanent disabilities that stop you from living it the way you want. Easy as.

What you get with OneChoice Life Insurance:

Lifetime cover for ages 16 – 70

Whether you’re a pro at life or just getting started, it’s good to look out for the people who are part of it. With OneChoice, you can be confident you and your loved ones will be financially protected, whatever happens.

Lower premiums based on your lifestyle

Get rewarded for living right with lower starting premiums for non-smokers. Lock in your cover today to look out for your health tomorrow.

Flexible cover amount

You wouldn’t buy clothes that don’t fit you well so why should your insurance be any different? With OneChoice, you can set a cover amount that works just for you – from $100,000 to $2 million depending on your age.

Advance funeral payout

We’ll pay $10,000 to help with funeral or tangi costs, so loved ones can honour your life as memorably as you lived it. No worries.

Cover for terminal illness

Don’t let life take you by surprise. We’ll pay you 100% of your benefit if you’re diagnosed with a terminal illness.

Cover for death, however it happens

Life is full of uncertainty, but with OneChoice there’s no guesswork. We’ll cover your death, by any cause (excluding suicide in the first 13 months), so you can stop worrying and focus on living.

See more benefits

Add optional cover

Serious Illness Insurance

Covers defined serious illnesses: Heart Attack, Cancer, Stroke and Coronary Artery Bypass Surgery.

Total & Permanent Disability Insurance

Support yourself financially if you can’t work due to a covered illness or injury.

Get to know life insurance

What is life insurance?

It’s simple, as long as you’re with OneChoice. Life insurance is a way of helping your family cope financially if something happens to you. Having cover means they won’t be left with the added financial stress of funeral costs, everyday bills, or loss of income if you’re no longer able to provide for them. Read more.

Life insurance in New Zealand

Even if you don’t have children or other dependents, it’s still important to think about yourself, right? Life insurance also lets you add optional cover for some health-related events, helping you with medical bills or other expenses if you suffer a disability or illness. Read more.

Life insurance for every stage of life

Any New Zealander between the ages of 16 – 70 can apply with OneChoice. We’ve got options for any life stage and even let you tailor a policy to find the perfect fit. Read more.

How much does life insurance cost in New Zealand?

The cost of life insurance varies based on things like your age, lifestyle, medical history and how much cover you take out. This makes it hard to come up with a price guide without knowing who the policy is for but there are still things you can look out for to keep your premiums under control. Read more.

OneChoice: the smart choice

We’re all for Kiwis

We love what we do and who we do it for. That’s why our cover is designed just for Kiwis (that’s you - not the bird).

Built on success

Your policy is issued by Pinnacle Life and backed by Hannover Re, one of the world’s leading underwriters. So you’re in safe hands.

Insurance, but simple

Life’s too short for confusing paperwork. We skip the medicals and forms to apply by asking you questions over the phone.

Have it your way

Our insurance gives you heaps of choice – from your cover amount, payment frequency, your beneficiaries, and more. You’re in control.

Make a move. Don’t be shy.

Still reading?

Get a cool info pack

We can send you a free info pack with even more information on OneChoice. You’ll love it.

Frequently asked questions

What is life insurance?

Life insurance is a way of helping your family cope financially if something happens to you. Having cover means they won’t be left with the added financial stress of funeral costs, everyday bills, or loss of income if you’re no longer able to provide for them.

Do I really need life insurance?

Even if you don’t have children or other dependants, it’s still important to think about yourself, right? Life insurance also lets you add optional cover for some health-related events, helping you with medical bills or other expenses if you suffer a disability or illness.

How does tax affect my life insurance?

Life insurance premiums are not tax deductible in New Zealand. But it’s not all bad; this also means that any benefits you receive from your policy won’t be taxed either.

How much cover do I need?

That’s your call. You’ll need to work out how much you and your family will need in case something happens to you. It’s useful to think about both short-term and long-term costs that could come up, as well as ongoing living expenses based on your lifestyle, number of children, income, and more.

Make the call

If you’re keen for a chat, call us on 0800 005 819 from 8am to 8pm Monday to Friday. If you’re too busy enjoying life, we can call you instead, or why not request a quote now?