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Mission Insurable

What is underwriting?

When you apply for life insurance, part of the process is called underwriting. Find out what it involves and why it's such an important step on your journey to get the right cover in place.

Do you put off your life admin? Play icon
Understanding underwriting

Do you put off your life admin?

It can feel a bit overwhelming filling in applications and providing personal information. The underwriting process involves submitting details about things like your height, weight, smoking status, some health history and in some cases financial details. 

This information helps us tailor the insurance to your individual needs and can even help you to qualify you for discounts such as our 15% Lifetime Reward if you're a non-smoker and have a BMI between 18.5 and 24.99.

Watch this short video to find out more about what underwriting involves.

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Kick start your mission

So what are you waiting for? Go ahead, help yourself and your loved ones by getting a quote using our simple online tool. Alternatively, if you'd like to make contact with a qualified Insurance Adviser please get in touch.

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