Do what Kiwis are best at by living life to the fullest. We’ll be there if things go wrong.
from 726 reviews
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 might also be able to add optional cover for serious illnesses or permanent disabilities that stop you from living it the way you want. Easy as.
Whether you’re a pro at life or just getting started, with OneChoice, you can be confident you and your loved ones will be financially protected. So once your cover is in place, it will continue for the term of your policy, as long as you continue to pay your premiums.
Get rewarded for living right with lower starting premiums for non-smokers. Lock in your cover today to look out for your health tomorrow.
You wouldn’t buy clothes that don’t fit you well so why should your insurance be any different? With OneChoice, you can choose a cover amount – from $100,000 to $2 million depending on your age and underwriting outcome.
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.
Don’t let life take you by surprise. We’ll pay you 100% of your benefit if you’re diagnosed with a terminal illness.
Stop worrying about losing your life and focus on enjoying it! With OneChoice, you’re covered for death by any cause from day 1 in most cases (exclusions apply, depending on your circumstances). Nice!
The following table compares OneChoice Life Insurance to similar products offered by other insurance providers in New Zealand.
| Product feature | OneChoice Life Insurance | Insurer A | Insurer B | Insurer C | Insurer D |
|---|---|---|---|---|---|
| Age eligibility to apply | 16 - 70 | 18 - 70 | 16 - 59 | 18 - 65 | 16 - 70 |
| Joint cover available | |||||
| Lifetime cover | |||||
| No medical or blood test to apply | Depending on disclosure | Depending on disclosure | |||
| Free interim accidental death cover | Up to $500,000 | ||||
| Maximum benefit amount | $2 million | $1.5 million | $1 million | $1 million | $2 million |
| Advanced funeral or tangi payment | $10,000 | $25,000 | $15,000 | $10,000 (must hold policy for 24 months) | $25,000 |
| Terminal illness benefit | 100% on diagnosis | 100% on diagnosis | 100% on diagnosis | 100% on diagnosis | 100% on diagnosis |
| Serious illness option | Optional add on, up to $500,000 | Optional add on, up to $1 million | Optional add on | ||
| TPD option | Optional add on, up to $1 million | Optional add on | |||
| Apply to increase benefit amount | |||||
| Increase benefit amount after life events without answering any underwriting questions | Up to $250,000 per event | Up to $200,000 per event | Up to $250,000 per event Only one per 12 months |
This information is accurate as at 31 July 2024. This table compares a sample of policy features but does not compare all aspects of each policy. There are also other policies available that have not been compared. Continuous cover, maximum benefit amount, Serious Illness and TPD options are dependent on your age and underwriting outcome at time of application.
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
Even if you don’t have children or other dependents, it’s still important to think about yourself, right? With life insurance you may also be able to 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
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
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
When you apply for life insurance, we need to know how old you are (don’t worry, we’ll keep it a secret). While your age is one of the main factors used to calculate your premiums, there are other things worth considering too. Read more
Figuring out how much cover you need is like asking what the best flavour of ice-cream is – it depends! You can start by factoring in the size of your family, your financial goals, and the day-to-day cost of being you. Read more
At OneChoice we’re proud to provide award-winning service and value to our fellow Kiwis.
We look out for our family too (that’s you). With OneChoice, you can take on life with confidence, knowing we’ve got you covered.
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).
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.
Life’s too short for confusing paperwork. We skip the medicals and forms to apply by asking you questions over the phone.
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.
1 Jun 2025
Learn how insurance premiums are calculated, what factors affect costs, and ways to reduce your life...
Read more about Understanding your insurance premium and how it is calculated
Mahi
9 May 2025
Discover practical ways to stay active, reduce sitting time, and maintain a healthy lifestyle at your office...
Read more about How to stay fit and healthy at your office job
The Easy Life
5 Feb 2025
Total and permanent disability insurance can help protect you from some of the financial hardships caused by...
Read more about Total and permanent disability insurance: Things to know
Our Wishes
13 Jan 2025
Struggling to add fruit and veg to your kids’ diet or need ideas for fussy eaters? Check out these expert...
Read more about How to sneak in more fruits and veggies for kids
The Easy Life
13 Jan 2025
Sorting out your home gym setup? Here’s the basics of what you’ll need, from home gym equipment to tips for...
Read more about Tips for setting up the ultimate home gym
The Easy Life
2 Dec 2024
A beneficiary in insurance is the person you name to receive the payout. Here’s a little more about how that...
Read more about What is a beneficiary and how does it work?
Our MatesIf you’re keen for a chat, get in touch! Request a quote now, or if you’re too busy enjoying life we can call you back instead.