OneChoice Life Insurance

One Choice is dedicated to supporting Kiwis in living their lives to the fullest.

They understand that financial worries can hinder your ability to enjoy life and care for your loved ones. That's why they offer trusted One Choice life insurance coverage designed specifically for New Zealanders.

One story, multiple products

Launched in 2019, they were founded with the mission to bring simple insurance solutions to the country. Through their partnership with award-winning provider Pinnacle, they’ve helped countless Kiwis protect what matters most – their lives and the people they love.

Together they aim to provide easily understandable and manageable cover that you can rely on.

Covering life's rainy days

OneChoice insurance offers a range of products to protect your financial future and cover unexpected expenses. Their policies are designed to be simple and hassle-free, without the need for blood tests or medical exams. Whether you're focused on your family's well-being or planning for end-of-life costs, they have you covered.

Award-winning service 

• Recognised by the Feefo Platinum Trusted Service Award in 2023, based on genuine ratings from their valued customers.
• Received the Feefo Gold Trusted Service Award in 2022, showcasing their dedication to providing excellent service.
• Honoured with the Feefo Gold Trusted Service Award in 2021, highlighting their consistent commitment to exceptional service.

Financial advice designed to serve you

Their financial advice centres around assessing the suitability of their insurance products for you, taking into account the information you provide.

Fees and expenses

They don’t charge any fees for the financial advice they provide. Their staff will inform you of the premium amount if you decide to purchase one of their insurance products.

Optional cover to enhance your protection

• Serious illness insurance: Covers conditions such as heart attack, cancer, stroke, and coronary artery bypass surgery, providing extra financial security if you face these health challenges.
• Total & permanent disability insurance: Ensures financial assistance in the event that you experience a total and permanent disability, enabling you to focus on recovery and adjusting to your new circumstances.

OneChoice life insurance offers comprehensive coverage to protect you and your family financially in various situations.

Main features of OneChoice life insurance

• Comprehensive cover: OneChoice life insurance provides support in the event of death, serious illness, or total and permanent disability. This means you and your loved ones are covered in difficult times, ensuring financial security.
• Flexible cover amount: Depending on your age and underwriting outcome, you can choose a coverage amount ranging from $100,000 to $2 million. This allows you to tailor the policy to your specific needs.
• Lower premiums for non-smokers: If you're a non-smoker, you can enjoy lower starting premiums as a reward for maintaining a healthy lifestyle.
• Advance funeral payout: In the unfortunate event of death, OneChoice provides a $10,000 payment to assist with funeral or tangi expenses, ensuring a meaningful farewell without financial worries.
• Terminal illness cover: If diagnosed with a terminal illness, you’ll receive the full benefit payout. This feature helps you navigate difficult times with added financial support.
• Death coverage for any cause: Gain peace of mind with comprehensive death coverage from day one, subject to certain exclusions depending on the circumstances.

Optional for serious illness cover

• Suitable for ages 16 - 59: Whether you're starting out in life or have years of experience, OneChoice life insurance provides coverage to help you and your loved ones focus on recovery during challenging times.
• Coverage for a range of illnesses: Protect yourself against significant health setbacks, including heart attack, stroke, cancer, and coronary artery bypass surgery.
• Customisable payout: Tailor your coverage to match your financial requirements in the event of illness, with options ranging from $50,000 to $500,000 based on age and underwriting outcome.
• Lower premiums for non-smokers: Enjoy reduced starting premiums as a non-smoker, rewarding you for maintaining a healthy lifestyle.
• Quick application process: Get peace of mind swiftly by answering a few questions, and completing your serious illness insurance application in just minutes.

Total & disability cover features

• Coverage until age 65: Ensure protection for most of your working years when your loved ones depend on you the most, covering disabilities such as loss of limbs, blindness, mental impairment, and more.
• Customisable benefit amount: Tailor the payout to suit your needs, ranging from $50,000 to $1,000,000 based on age and underwriting outcome.
• Lower premiums for non-smokers: Enjoy reduced starting premiums as a non-smoker, rewarding you for maintaining a healthy lifestyle.
• Simple application process: Skip the medicals, blood tests, and lengthy forms. Just answer a few questions over the phone to apply hassle-free.