It's easy, simply enter your details in the quote calculator below. When you have entered your details and selected the amount of cover you wish to apply for, click "Buy online" and confirm your purchase. At this stage you will be able to begin your application and proceed through entering all of your details.
The online application is split into 7 sections as described below:
Personal Details - Information about how to contact you (e.g. address, phone) & your lifestyle (e.g. smoker / height / weight / occupation).
Insurance History - Information about any current cover you may have and any previous applications for cover.
Medical Information - Questions about your previous health history. The application process will ask you further information regarding any medical conditions that you have or have ever had.
Activities Residency - Information on your NZ residency status & any hazardous activities you might pursue (e.g. sky diving, parachuting).
Payment Information - How and when you wish to pay for this policy (Note, your premiums are only payable once a policy is accepted by an insurer).
In order to complete your application for cover as quickly as possible, you should consider ensuring you have the following information ready:
- Doctor / Medical practice contact details - Information regarding any past medical conditions - Bank account or Credit card details
If you are unable to obtain the information you require during the application process, you can save it and return at a later date to complete.
This depends on a number of factors. Firstly, your answers to the questions dictate whether you may have to provide further information. Secondly, it will depend on how quickly your browser is able to load each page. Our site is designed to be quick to load on all major browsers. It usually takes an average application approximately 15-30 minutes to complete (note time is longer if you are completing a joint application, as you must both answer the questions asked).
The LifeDirect team will keep you informed as to the progress of your application. You will receive an automatic email to let you know when we have received your signed documents and submitted your application to the insurer. You will also receive automatic emails to let you know that your application has been accepted, or if additional requirements have been requested by the insurer.
All of your personal details are confidential and are only shared between LifeDirect and the insurer that you have chosen. Our online application is secured by 128bit SSL encryption to ensure the safety of your personal information. All payment details are encrypted in our system.