skip to main content
Simple & affordable

Life & Living Insurance

Protect the things that matter most with Life & Living Insurance. Choose from simple, cost-effective cover options to reduce the financial pressure on you and your loved ones if you were to become seriously ill, be diagnosed with a terminal illness or pass away.

Key benefits of Life & Living Insurance

If you experience a serious illness or the passing of a loved one, the bills don’t stop. This can create significant financial stress at a time when you should be focusing on what’s most important. 

With Life & Living Insurance, you’ll have peace of mind knowing that if the unexpected were to happen, you and your loved ones will be looked after.  

Tailored for your stage in life

If your situation changes, it’s easy to update your cover.

Simple, affordable policies

Peace of mind for the price of a couple of coffees.

Additional discounts and guarantees

15% Lifetime Reward, Multi-benefit discount, and 30 days to change your mind. T&Cs apply.

Take your pick
Take your pick

Your cover options

With Life & Living Insurance from Chubb Life, you can decide what is best for you and your family. Choose from Life Cover, Critical Illness Cover, or Expenses Cover. You can mix and match products and cover levels, and work towards a premium that fits your needs and your budget.

Life Cover

The passing of a loved one can be a stressful time. Life Cover helps your family with any financial obligations and let's them focus on what's most important.
 

Life Cover pays a lump sum of up to $1.5 million if you were to pass away or be diagnosed with a terminal illness. Once it’s in place you can have peace of mind that your family will be looked after when you’re gone.

Critical Illness Cover

Sometimes referred to as Trauma Cover, Critical Illness Cover pays you a lump sum of up to $1 million if you suffer from a defined illness or condition we cover such as cancer, a heart attack or a stroke for the first time. It can provide financial security for you and your loved ones so you can focus on what’s important – your recovery.
 

With this cover in place, you’ll receive a lump sum payment if you suffer from one of the 47 conditions we cover, and it’s your choice how you use the money.

Expenses Cover

Also known as Income Protection, Expenses Cover pays you a monthly amount for up to two years to compensate for your lost income if you were to become disabled as a result of illness or injury.

You can apply for cover up to 45% of your annual income, to a maximum of $5,000 per month.

Get covered
Get covered

More than just life insurance


The right life insurance can bring you peace of mind from knowing that you've protected what matters most.

Your insurance is underwritten by Chubb Life Insurance New Zealand Limited (Chubb Life). Chubb Life has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For the full rating scale and more rating information visit www.ambest.com/ratings/guide.pdf