Yes. Your adviser is paid by the insurer when a policy is placed, so it is free for you.

Will this affect my medical records or credit score?

No. Filling in this form does not touch your credit file or medical records. Your adviser only requests information you agree to share.

I already have some cover, should I still check?

Often yes. Premiums and features change every year, and many Kiwis are on older policies that cost more for less cover.

What if I have a pre-existing condition?

Your adviser will match you with insurers most likely to offer suitable cover for your situation and explain the options clearly.

A licensed NZ insurance adviser, usually within 1 hour. No call centres.

How many times will I be contacted?

One adviser, one call. From there you decide what happens next, and you can ask them to stop contacting you at any time.

What happens to my information?

It is encrypted, shared only with the licensed adviser matched to you, and never sold to third parties.

Cover Easy | Compare life insurance and stop overpaying

820+ reviewsQuestion 1 of 10

Find out what cover you actually need, and what it should cost

Who are you protecting?

No contact details until the end. Nothing to pay, ever.

All checked for you.

2 mins

To compare your cover

80+

Insurance options checked

$1,200

Typical yearly saving found

Cost to you, ever

Free, no obligation, no credit check

Every major NZ insurer, checked for you.

Why get life insurance

If something happened to you tomorrow, life insurance is what keeps the mortgage paid and the kids in the same school. It is a small monthly cost that buys your family time to grieve instead of scrambling.

Your family keeps their home

A lump sum can clear the mortgage outright, so nobody is forced to sell in the worst week of their life.

Cheaper than most people think

Cover for many healthy Kiwis starts at a few dollars a day, and locking it in younger keeps it that way.

Prices differ wildly between insurers

The same cover can vary by hundreds a year. One comparison is all it takes to find out where you sit.

It only gets harder to get later

Age and health changes push premiums up. Sorting it now protects the price you pay for years.

One check, every major insurer

Premiums and underwriting rules change constantly, and no single insurer is best for everyone. Your adviser compares them side by side for your situation.

Partners Life

One of NZ's largest life insurers, strong on cover options

AIA

Wide product range with health and wellbeing rewards

Fidelity Life

NZ owned, often competitive for families

Asteron Life

Good options for self employed and business cover

Chubb Life

Simple, straightforward life cover at sharp pricing

Southern Cross

Well known for health cover alongside life protection

What other Kiwis say

Rated 4.9 out of 5 by Kiwis we've introduced

Saved $85 a month

“The adviser found us the same life cover for $85 less a month than we were paying. That is over $1,000 a year.”

Hannah T, Tauranga

Got $500,000 cover

“Filled in the form on a Sunday night, had a call Monday morning, and my policy was sorted within a week.”

Marcus L, Christchurch

Zero paperwork stress

“Easiest financial decision I've made. The adviser did all the paperwork and chased the insurer for me.”

Aroha M, Wellington

How it works

Answer a few questions

About a minute, no medical exam, no documents needed.

An adviser calls you,

A licensed NZ adviser compares every major insurer and calls you with the best option.

You decide, they do the rest

If it stacks up, your adviser handles the application and the insurer. Free to you either way.

Free, no obligation, no medical exam to start.

Common questions

Cover Easy is used solely for marketing purposes and no financial advice is provided directly from this site. Cover Easy introduces you to a licensed insurance adviser who can give you individual advice and match you to the right solution for your personal circumstances. These advisers are licensed and registered Financial Advice Providers listed on the Financial Service Provider Register (FSPR), and are regulated by the Financial Markets Authority (fma.govt.nz). Every adviser will provide a Disclosure Statement and their FSP number as required by law. At no time do we provide advice of any type. Once you obtain advice from an adviser, your relationship is with that adviser, and we are not responsible for that advice. Please refer to our complete Disclosure and Privacy Policy.

Nothing on this website constitutes financial advice.

By submitting, you consent to be contacted by a licensed NZ insurance adviser, and to receive text messages from Cover Easy about your enquiry. Reply STOP to opt out. Your information is kept secure and will not be sold. You also agree to our Terms & Conditions and Privacy Policy.

Eligibility and insurer criteria apply. Premiums vary by insurer and are subject to underwriting, including any exclusions or loadings for pre-existing conditions.