Pinnacle Life

Pinnacle Life was established in 1998 and proudly pioneered the concept of Kiwis purchasing life insurance directly from an insurance company, without the involvement of brokers.

This revolutionary idea made waves in the industry, capturing the attention of New Zealanders. 

Leading the digital revolution

Today, their ambition is to be the unrivalled online life insurer in New Zealand.

They’ve been blazing the trail in online life insurance longer than any other company globally, mastering the art of providing exceptional service through digital channels.

Their vision: Easy and accessible

Pinnacle Life believes that life insurance should be within reach for every New Zealander. Their core vision revolves around three fundamental principles that guide their operations.

1. Accessibility: Empowering you to secure coverage yourself, online, without the need for complex intermediaries.
2. Simplicity: Communicating policy terms and benefits in plain English, ensuring transparency and eliminating surprises.
3. Affordability: Leveraging the efficiency of their online platform to reduce costs and pass on the savings to you through lower premiums.

Get covered in minutes!

With Pinnacle Life, obtaining life insurance is a breeze. In just 30 seconds, you can receive a quote personalised to your needs, and within 10 minutes, you can have the coverage you deserve.

They prioritise efficiency to save you time and provide you with peace of mind.

Recognition and innovation

Throughout their journey, they’ve proudly garnered numerous awards for their innovative designs and unwavering commitment to excellence.

They continuously invest in cutting-edge technology and design to deliver an unparalleled experience to you.

Pinnacle Life in Newmarket, Auckland

Located in Newmarket, Auckland, their dedicated team is ready to assist you with all your life insurance requirements. Visit them to experience their personalised service firsthand and ensure your financial security.

Backed by Hannover Life RE

When you choose Pinnacle Life, you can rest assured that every life insurance policy is backed by Hannover Life RE of Australasia.

With a robust partnership spanning back to their establishment in 1998, they have the support of one of the world's largest reinsurance groups.

Unparalleled financial stability

Hannover RE, with annual revenues exceeding $16 billion, stands among the top five reinsurance groups worldwide.

Their extensive backing of almost 5,000 insurance companies across around 150 countries provides unmatched financial stability, reinforcing their commitment to protecting your future.

Explore policy options

Thoroughly explore the range of life insurance policies offered by Pinnacle Life, familiarising yourself with the various types of coverage available.

These include term life, income protection, total and permanent disability (TPD), and critical illness cover.

Understand the features, benefits, and limitations of each policy type to determine which one best aligns with your specific needs and requirements.

Pinnacle Life presents an extensive array of life insurance solutions created to cater to your varying requirements. 

Their focus lies in ensuring simplicity, affordability, and accessibility, all aimed at delivering a smooth and effective journey from beginning to end.

Cover options available at Pinnacle Life

Life insurance from Pinnacle Life

Pinnacle Life's life insurance offers vital financial protection for your loved ones. In the unfortunate event of your passing or a terminal illness diagnosis, this policy provides a tax-free lump sum to the policy owner.

Coverage starts at $500,000 and is available to New Zealand citizens, residents, and eligible work permit holders. You can customise your policy, making adjustments for special events or cover increases.

Financial cover for a predetermined duration, typically ranging from 1 to 30 years. In the unfortunate event of your death during the policy term, it pays out a lump sum benefit to your chosen beneficiaries.  Additionally, the policy provides flexible coverage amounts to suit your individual needs and budget, allowing you to customise the coverage according to your preferences.

Funeral insurance

Designed to cover funeral expenses and associated costs. It offers a lump sum benefit to help ease the financial burden on your loved ones during a difficult time. Additionally, the policy provides a quick and easy application process without the need for medical exams or lengthy paperwork, making it a convenient option for obtaining coverage.

Mortgage insurance

Offering coverage to help pay off your mortgage in the event of your death, ensuring that your loved ones can remain in their home. It provides peace of mind by protecting your family from the financial burden of mortgage repayments. The policy allows for flexible coverage options based on your outstanding mortgage balance, accommodating your specific needs and preferences.

Income protection insurance

The policy replaces a portion of your income if you're unable to work due to illness, injury, or disability. It provides a regular monthly benefit to help you maintain your financial commitments during a period of income loss. The policy offers customisable waiting periods and benefit periods to align with your specific circumstances and financial needs.

Total and permanent disability insurance (TPD)

Providing a lump sum benefit if you suffer a total and permanent disability that renders you unable to work. It helps cover medical expenses, rehabilitation costs, and other financial obligations that may arise due to disability. The policy offers flexible coverage options tailored to your individual needs.

Critical illness cover from Pinnacle

Pinnacle Life's critical illness cover offers NZ$10,000 as an early payment if the insured person suffers specified critical illnesses. It is available for New Zealand citizens, residents, or work permit holders aged 18 to 59. The policy does not have cash value, and payments are non-refundable upon cancellation.

Additional services and features

Pinnacle Life provides convenient online services through its user-friendly website and mobile app. They prioritise transparency, ensuring policy terms are clearly communicated in plain English.

With a hassle-free online claims submission process, you receive prompt assistance when needed. Their dedicated support team offers personalised guidance throughout the journey. As an online company, they can provide competitive premiums, offering the best value for money.

Understanding the importance of flexibility and customisation in insurance needs, they allows you to adjust coverage options as circumstances change. The convenient online platform facilitates easy policy renewal and management, ensuring up-to-date and relevant coverage.