Life Insurance
If you were gone tomorrow, would your family be okay financially? We're independent advisers, so we compare life cover from across the New Zealand market and recommend what genuinely fits your family and budget. Advice is free, and there's no obligation.
Why It Matters
Life insurance pays a lump sum to your family if you pass away or are diagnosed with a terminal illness. That money can clear the mortgage, replace years of your income, cover funeral costs, and give your family time to grieve without financial pressure. The right amount of cover depends on your debts, income, and who depends on you, which is exactly what we work through together.
Young families
With a mortgage and young children, your family relies on your income for decades to come. Cover is typically cheapest to arrange while you're young and healthy.
Homeowners
Many Kiwis hold enough cover to clear the home loan so their family keeps the house no matter what. We calculate the right figure for your actual loan and situation.
Business owners
Life cover can protect business debt, fund a buy-sell agreement, or keep the business running while your family and partners work out next steps.
Independent Advice
Banks and tied agents can only sell you their own product. As independent advisers, we compare policies from across the New Zealand market on price, policy wording, and claims reputation, then recommend the one that fits you. We also review your cover as life changes: a new home, a new baby, or a new business. And at claim time, we advocate for you rather than leaving you to deal with the insurer alone.
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Whole-of-market comparison. We're not tied to any single insurer, so our recommendation is based on what suits you.
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Right-sized cover. We calculate what you actually need rather than overselling. Too much cover wastes premiums; too little defeats the purpose.
03
Stepped vs level premiums explained. We model both structures over your expected holding period so you can choose with the full picture.
04
Claims support. If the worst happens, we manage the claim process for your family from start to finish.
★★★★★
"Upmeet was very helpful when I wanted to change my life insurance. We caught up, had a good talk and worked out what I really needed — not an overkill. He listened to what I had to say. Highly recommend."
Google Review · Mutual Solutions
Lump-Sum Protection
Critical illness cover, sometimes called trauma cover, pays a tax-free lump sum on diagnosis of a serious condition such as cancer, heart attack, or stroke, whether or not you're able to keep working. That money is yours to use however you need it: clearing debt, funding treatment the public system doesn't cover, or simply taking time off to recover without financial pressure. It's often taken out alongside life cover, since the two protect different moments: life cover pays your family if you die, critical illness cover pays you if you don't.
01
Tax-free lump sum. Paid on diagnosis, not on death, so you can use it while you're still here to benefit from it.
02
Definitions vary by insurer. Which conditions are covered, and how they're defined, differs across the market. We compare the fine print, not just the premium.
03
Usually stacks with life cover. Most clients hold both, since they protect against different outcomes of the same risk.
Common Questions
How much life insurance do I need?
It depends on your debts, income, and family situation. A common starting point is enough to clear the mortgage plus several years of income replacement. We calculate a personalised figure in your free consultation. See our full FAQ →
Will a claim increase my premiums?
No. Personal insurance in New Zealand, including life cover, does not increase your premiums because you have made a claim. Premiums are based on age, health at application, and market conditions. Read why premiums change →
Stepped or level premiums?
Stepped premiums start cheaper and rise each year with age. Level premiums are fixed for an agreed term, costing more upfront but often much less over the long run. We model both so you can compare.
Does the advice cost anything?
No. We're paid a commission by the insurer if you take out a policy, and we disclose exactly how we're paid before you commit to anything. See our disclosure statement →
30 minutes with an independent adviser. No pressure, no obligation, and clear answers about what cover you actually need.