Partners Life Limited

When it comes to life insurance, a ‘one-size-fits-all’ approach just won’t cut it. That’s why we don’t have an online quotation tool.

Instead, you should speak to an independent adviser. Like the name suggests, they don’t work for Partners Life and will only recommend us if we fit your needs. They tailor insurance specifically to you. They’ll take time to learn about what’s important in your life, as well as help you to understand your financial risks.

There are thousands of independent advisers all around the country, so we can put you in touch with someone local.

Partners Life is New Zealand’s leading life and health insurer, that means we don’t insure your house, your car, your contents or your pets. Our products are designed to put money back into your family or business when your life is interrupted by a serious health event.

Partners Life Limited Products

The objectives for our types of insurance are quite simple:

  • To replace lost income
  • To reduce debt burden
  • To cover unexpected costs

In short, life and health insurance products are designed to help keep your family or your business financial situations as normal as possible even through serious health events or death.

We are extremely proud of our market leading products and work non-stop to ensure that Kiwis who take out Partners Life policies have the best possible chance to make a claim when things go wrong. At the end of the day, paying claims is what insurance is designed to do.

While the objectives of life and health insurance products are simple, each Kiwi is unique and the financial risks facing individual Kiwi families and businesses are specific to them and are complex. A ‘one-size-fits-all’ solution cannot be the best answer to protecting against those risks. This is why we have developed an extensive range of insurance products which can be mixed and matched to deliver the individual protection, that best suits your individual risks and needs.

We also understand that trying to figure out which mix of products, and how much of each, will best suit you can be confusing, making for a very difficult task. This is why we don’t have an online quotation tool, or offer direct sales. We strongly believe that the best answer for all Kiwis is to speak to an independent adviser, who can tailor a solution specific to your needs.

Below is some basic information about the products we offer, and how they might be used. If you are interested in further details, or want to discuss which products might be right for you, your family or your business, please click here to get in touch with an independent adviser who can help you.

  • Life Cover, Life Income Cover and Terminal Illness Cover

Terminal Illness Cover pays out if you are diagnosed with a terminal illness. Life Cover and Life Income Cover both pay out if you  pass away or become terminally ill. Terminal Illness and Life covers pay out a one-off sum, which can be used to create an investment fund to generate income, to reduce debt, such as a mortgage, or to leave money behind for a specific cause such as funding future tertiary education for children, paying final costs such as funeral expenses,or to leave a bequeathment. Life Income Cover pays a regular monthly benefit for a set number of years, which can be used to directly replace the income of the family member who has passed away.

  • Trauma Cover and Severe Trauma Cover

Trauma Cover products pay out a sum of money if you are diagnosed with, or suffer from one of the large number of listed serious health conditions. These conditions include Cancer, Heart Attack, Stroke and many more. Trauma Cover products are often used as a ‘recovery fund’ providing you with the money to pursue treatment options or to cover any additional costs needed to get back on your feet after a serious illness.

  • Income Cover, Mortgage Repayment Cover and Household Expenses Cover

These products are designed to protect your most valuable asset – your ability to earn an income from your work. These products pay a monthly amount if you are unable to work due to illness or injury. These products can be structured to pay for a short, specific term or to provide cover all the way up until retirement age.

  • Total and Permanent Disability Cover

Total and Permanent Disability Cover pays out a sum of money if you become so severely ill or injured that you become permanently unable to return to work. This product is often used to pay down debt, and to account for the additional costs arising from such a severe injury or illness.

  • Private Medical Cover

New Zealand has a great public healthcare system, with wonderful doctors and hospitals. It does a great job for Kiwis who need urgent treatment. The reality is that most treatment is not considered urgent, and often requires long periods on a waiting list. Private Medical Cover funds quick access to, and a choice of, treatment in the private medical sector meaning you can get the best care without having to wait for the public system.

  • Specific Condition Cover and Hospital Cash Cover

These products are exclusive to Partners Life, and take a different approach to claims. These products pay a small, defined amount of money on suffering a specific health event, or requiring a specific medical treatment. An example of this would be to pay out a sum of money upon breaking a bone.

Partners Life Limited Contact

AddressLevel 1 
33 – 45 Hurstmere Road 
Auckland 0622

Talk to us today

0800 145 433

8.30am – 5pm 
Monday – Friday

International number

+64 995 15020


Level 1 
33 – 45 Hurstmere Road 
Auckland 0622