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Life Insurance

  • 12.5% healthy living discount
  • Up to $15,000 Advanced Funeral Benefit
  • Early payment for terminal illness

Whatever happens in the future, you always want to make sure your loved ones are taken care of. With Life Insurance, it can help in the tough times so they won't have to worry about how to pay the bills and the mortgage.

Life Insurance provides financial support to your loved ones if you’re no longer alive, in the form of a lump sum cash payment. Choose how much cover you need and with premiums that start from $5 a week*, it won’t interrupt the lifestyle you enjoy now.

There’s also an early payout if you are diagnosed with a terminal illness. And you can spend the money on whatever is most important to you at the time. Whether it’s specialised medical treatment, a family trip overseas or even paying off your mortgage for your family, the choice is 100% yours.

Life Insurance also comes with Advanced Funeral Benefit so that your family can receive up to $15,000 to help towards the cost of a funeral while your claim is assessed. So your loved ones don’t have financial worries at such a difficult time.

And we may be able to offer an additional benefit which will protect you in the event you suffer from a serious illness. It could provide you with a lump sum cash payment if you were diagnosed or suffered a serious illness such as cancer, a heart attack or a stroke.

Plus if you're in good health and don't smoke you could get a permanent 12.5% discount on your premiums.

You even get free Temporary Accidental Death Insurance if you provide your payment details while your application is being assessed – up to $500,000.

Applying is easy – call 0800 99 77 00 today.

Funeral Benefit

Up to $15,000 pay out to help your family cover the cost of a funeral while your claim is assessed.

Early Terminal Illness Payment

We’ll pay you out in full if you’re diagnosed with a terminal illness.

Lump sum payment

We’ll pay out the current Life Insurance cover amount if the person insured passes away.

Healthy living discount

If you're in good health and don’t smoke you could get a permanent 12.5% discount on your premiums. 

Things you need to know

  • You must be aged 18-70 to apply.
  • You must be truthful when answering the health and lifestyle questions; failing to declare a health condition could result in a claim being declined.
  • If you meet our underwriting criteria, you may be able to add Serious Illness Benefit to your policy.
  • Before applying we recommend you read the product policy wording for full terms and conditions.


*   This example is based on a healthy non-smoking female aged 35 with $300,000 of cover
    costing $9.70 a fortnight. Underwriting conditions apply.


Read our

Policy Wording

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Read our


Countdown Insurance
is backed by Cigna Life
Insurance New Zealand

Cigna is a leading specialist provider of insurance products and services with over 90 years of insurance experience.