Cover amounts
Compare different levels of Life and Trauma Cover.
Life cover looks after your family’s future.
Trauma cover pays you a lump sum on a qualifying critical illness.
Compare and combine both covers to protect your family’s future and support your recovery.
100% Free · No Obligation · Licensed New Zealand Adviser
Quotes from New Zealand’s leading insurers
Two Different Risks, Two Different Covers
Life cover protects your family.
Life cover protects your family.
Trauma cover supports your recovery.
Life Cover can provide financial support for your family if you pass away, helping with expenses, debts and future financial commitments.
Trauma Cover works alongside it by providing a lump-sum payment if you’re diagnosed with a qualifying critical illness, giving you greater financial flexibility while you recover.
More Choice. Better Understanding.
Get clear answers before you choose Life and Trauma Cover.
Life and Trauma Cover can vary between insurers in how benefits are structured, what conditions are covered, policy definitions and premiums. Comparing your options helps you see these differences clearly and understand how the two covers can work together around your needs, family and budget.
Covered conditions
See which qualifying critical illnesses and medical events are included.
Policy structure
Understand how Life and Trauma Cover can be arranged together.
Premiums & features
Compare costs, benefits and policy features across insurers.
A clearer comparison can help you choose a combination of cover that better suits your priorities.
How it works
Simple as 1, 2, 3.
Start with the protection you need, explore your options, and choose what suits you.
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1
Tell us what you need
Answer a few quick questions about the Life and Trauma Cover you’re considering.
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2
Compare with expert guidance
A licensed New Zealand adviser reviews your situation and helps you compare Life and Trauma Cover options that may suit your needs and budget.
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3
Make an informed decision
Review your options and choose the combination of cover that feels right for you and your family.
What Kiwis Say
Clearer choices for Life and Trauma Cover.
Reviews come from clients across our family of insurance comparison sites.
Who We Are
Helping Kiwis compare cover with clarity and confidence.
Compare Life Cover helps Kiwis explore and compare Life and Trauma Cover options with support from licensed New Zealand advisers. Whether you’re arranging cover for the first time or considering both types of protection together, we make it easier to understand your options.
Our focus is simple: clear comparisons, straightforward information, and access to licensed advisers who can help you understand your options. There’s no obligation to proceed, so you can compare with confidence and choose what feels right for you and your family.
Take the Next Step
See how trauma cover can complement the life cover you already have.
Compare Trauma Cover options and find the level of protection that suits your needs, priorities and budget.
100% Free · No Obligation · Licensed New Zealand Advisers
Frequently Asked Questions
Common questions about adding trauma cover to your life cover.
Trauma Cover pays a lump-sum benefit if you’re diagnosed with a qualifying
critical illness or medical event covered by your policy. The lump sum can be
used however you choose, for example, to support recovery, manage everyday
expenses, or reduce financial pressure.
Life Cover pays a benefit to your loved ones if you pass away. Trauma Cover pays
a benefit to you while you’re still living, following a qualifying critical
illness. Together, they can provide broader financial support across different
situations.
Whether Trauma Cover suits your situation depends on your personal needs and
financial circumstances. Many Kiwis choose Trauma Cover as an additional layer
of protection alongside their Life Cover. Comparing options with a licensed
adviser can help you decide.
Trauma Cover generally applies to a defined list of serious illnesses and
medical events. The exact list and definitions vary between insurers, which is
why comparing policies is so important.
Trauma Cover is usually paid as a single lump-sum benefit if you meet the
policy’s definition for a qualifying critical illness. You choose how to
use it.
The amount that suits you depends on your income, expenses, mortgage, savings
and existing Life Cover. A licensed adviser can help you think through what
level of Trauma Cover feels right for your situation.
No. Comparing Trauma Cover options doesn’t change or cancel your existing
Life Cover. You’re simply exploring whether an additional layer of cover
might complement what you already have.
Yes, comparing your options with our licensed New Zealand advisers is 100%
free, with no obligation to proceed.
A licensed New Zealand adviser will contact you to walk through your situation, compare
Trauma Cover options across insurers, and help you understand which policies
best fit alongside your existing Life Cover. You choose whether to proceed.