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Compare insurance
the smart way.

Get quotes from New Zealand's leading providers in under 3 minutes. No fees, no jargon, just honest comparisons matched to what you actually need.

0 min
Average quote time
0+
Leading NZ insurers
$0
Cost to compare
Comparing quotes from New Zealand's leading providers
AIA Asteron Life Fidelity Life Partners Life Chubb nib Southern Cross Unimed
Independent & unbiased
Licensed NZ advisers
Zero cost to compare
NZ-owned & operated
What we compare

Seven ways to protect what matters.

Pick the cover you need. Answer a few honest questions. See real quotes from the insurers who fit.

Life Insurance

Protect the people who depend on you. A lump sum for your family if the worst happens, so the mortgage, the bills and the kids' future are still covered.

  • Cover from $50k to $2M+
  • Terminal illness benefit included
Compare Life quotes
$

Income Protection

Replace up to 75% of your paycheque if illness or injury stops you working. Keep your lifestyle running while you recover, without draining the savings.

  • Employed & self-employed cover
  • Redundancy add-on available
Compare Income Protection

Medical Insurance

Skip the public wait lists. Private surgery, specialist consults and diagnostics when you need them, from NZ's top health insurers.

  • Just me, my family, or someone else
  • Specialist and hospital options
Compare Medical quotes

Mortgages

Compare home loans from New Zealand's leading banks and lenders.

  • First home & refinance
  • Fixed & floating rates
Coming soon

Trauma Insurance

A lump sum if you're diagnosed with cancer, stroke, or heart attack.

  • Standalone or add-on cover
  • Cover children too
Coming soon

Mortgage Insurance

Keep the roof over your head if illness or death stops the paycheque.

  • Covers monthly repayments
  • For owner-occupiers & investors
Coming soon

KiwiSaver Schemes

Compare fund providers, fees, and performance to grow your retirement.

  • Growth, balanced & conservative
  • Fee & performance analysis
Coming soon
Why go with us

The perks of insuring through us.

Everything designed to make comparing, buying, and managing insurance the easiest thing you do this week.

Super easy

Seriously. We make getting amazing coverage for you and your family a walk in the park.

Manage your policy online

Get ongoing service and make claims online with your Compare Life Cover account.

Sit tight

Your data is safe with us. We use extensive encryption to take care of your security and privacy.

You're in control

Choose from NZ's leading insurers. No hassle. No drama.

Save some coin

They say there's no such thing as a free lunch — but there is a free Compare Life Cover service and it doesn't affect the cost of your policy.

Why Compare Life Cover

Straight-up comparisons, no strings attached.

Insurance shouldn't feel like a maze. We built Compare Life Cover to strip out the sales pressure and hand you the real numbers, from real NZ insurers, in a language that isn't legalese.

You tell us what matters. We match you to the covers that fit. You decide. That's it.

1

Answer a few honest questions

Three minutes tops. Just what an insurer actually needs to price your cover fairly.

2

See real quotes from real insurers

We work with 8+ of New Zealand's leading providers, not a marketing façade.

3

Speak to a licensed adviser (optional)

Want a human sense-check? Our advisers help you compare without pushing a product.

4

Zero cost, zero obligation

Comparing is free. We're paid by the insurer if you buy, never by you. Ever.

Real Kiwis, real reviews

Loved by families across Aotearoa.

"Compare Life Cover made comparing life cover so easy. I had three real quotes in front of me the same day. No pushy sales, just honest options."

NyashaAuckland, Life Insurance

"As a self-employed tradie, income protection felt too complicated until I used Compare Life Cover. Ten minutes, cover sorted, back to the tools."

J
James T.Wellington, Income Protection

"Our family needed medical cover fast. Compare Life Cover lined up specialist and hospital options side by side. Best time we've spent this year."

M
Mereana R.Christchurch, Medical
FAQ

Answers before you start.

Is Compare Life Cover really free?
Yes. Comparing quotes on Compare Life Cover costs you nothing, ever. If you decide to take out a policy, the insurer pays us a standard adviser fee. That fee is the same whether you compared with us or went direct, so it never affects your premium.
Which insurers do you compare?
For life-related covers we compare AIA, Asteron Life, Fidelity Life, Partners Life, and Chubb. For medical we compare nib, Southern Cross, and Unimed. Every one is a licensed New Zealand insurer.
How long does it take?
The quote form takes most people around 3 minutes. You'll see indicative numbers straight away; a licensed adviser can then walk you through the details if you'd like.
Do I have to buy anything?
No. You can compare quotes, keep them for reference, and buy later or not at all. There's no obligation and no follow-up spam.
Is my data safe?
Your details go only to the insurer or adviser matched to your quote. We're covered by New Zealand's Privacy Act 2020. Read the details in our privacy policy.

Ready to see your real quote?

Three minutes. Zero cost. Real numbers from real NZ insurers.