About Life Insurance NZ
An information site about kinds of life, income protection, trauma and mortgage protection cover in New Zealand. It shows its working, cites its sources, sells nothing, and when you want advice it introduces you to somebody licensed to give it — and tells you what it is paid for doing so.
Updated 2026-09-16 · last checked against its sources on that date
Why this exists
Search for life insurance in New Zealand and every page-one result is run by, or trades as, a financial advice provider. The content is often good. It also always ends in the same place — an invitation to speak to that site’s own in-house adviser. The calculators hide their maths behind a quiz, and the cost tables sit next to a sales button.
The gap is the un-advised middle. Here is the number, here is how it was worked out, here is where every figure came from — and if you want advice, here is a licensed person, and here is what we are paid for putting you in touch. That is the whole idea.
What we do
- Explain kinds of cover in general, with no recommendation about which one anybody should buy.
- Run a cover calculator that shows every step of its arithmetic and stores nothing.
- Publish a factual, alphabetical list of licensed insurers with no ratings and no ranking.
- Say plainly what moves the price of cover, and why there are no premium tables here.
- Introduce people who ask to one licensed adviser firm, with consent, with the fee disclosed first.
What we do not do
- Recommend a policy, an insurer or an amount of cover for you
- Give an opinion about whether cover you already hold is right for you
- Sell, arrange, underwrite or administer any policy
- Quote a premium, or claim to show live prices
- Rank, rate, score or name a “best” insurer
- Ask you for health, medical, smoking or date-of-birth information
- Take payment from anyone visiting this site
- Take money from insurers for content, placement or a mention
How we make money
One way: a flat referral fee paid by the adviser firm we introduce people to, for each introduction it accepts. Not a share of any premium, nothing from insurers, no advertising, and nothing for sale on this site. Every page that leads to the referral form carries a line saying so before you get to the button, and the disclosure page sets out the arrangement in full.
Who writes it
The organisation. There is no personal byline anywhere on this site, no photograph of anybody, and no link to anybody’s personal website. Nobody here is a financial adviser and nobody here holds themselves out as one.
How it is written
Every figure carries a source and a date, every legal statement is quoted from legislation.govt.nz with its section number, and anything we could not source is left out and recorded publicly. The editorial policy lists everything that came off this site and why, including the twelve broker listings the previous version invented.
Where we are
- hello@life-insurance.co.nz
- Online, anywhere in New Zealand.
Before introductions open
A New Zealand financial services lawyer is reviewing this site — the home page, the calculator framing, the cover pages, the consent wording, the emails and the disclosure — before anybody’s details are passed to anybody. Nothing on this site takes details for sharing until that is done and an agreement is signed.