Life Insurance - Life Direct

Website Security & Privacy

Website security

We are committed to keeping your personal information as safe and secure as possible. Our site is hosted securely with a NZ based provider - SiteHost, and we have rigid internal guidelines to protect your information.

Our online application is secured by 128 bit SSL encryption to ensure the safety of your personal information and all payment details are encrypted in our system, which is protected with Firewalls.

We regularly review our security processes and recommend that you do the same. By keeping your passwords and usernames secure (i.e. not sharing them with or disclosing them to another party) and regularly updating your operating system and anti-virus software you can protect yourself.

Despite all of our measures, it is impossible to guarantee that our site is 100% secure and therefore we need to emphasise we do not accept any liability for any misappropriation of your personal information from this website.

Please contact us if you have any concerns regarding our site and security:

ATT James Punnett
Life Direct
PO Box 31519
Lower Hutt
New Zealand

What kind of personal info will I need to provide?

The application collects information such as contact details, health details, and insurance history, which is used by your insurer to assess your application. All information gathered is sent confidentially and securely to your chosen insurer.

Is my information shared with anyone else?

Your information is sent only to your chosen insurer and is not shared with any other companies.

What is my information used for?

Your information is sent to your chosen insurer so that they can assess your application. And we are required to keep client records (e.g. names, dates of birth, etc) for legal reasons and to provide you with ongoing service like annual insurance reviews. We also have a quarterly electronic newsletter and may contact you from time to time with promotions we think you may be interested in or to introduce you to new services we are launching. If you have any questions about the way information is stored or used please don′t hesitate to contact us.

How can I access my personal information?

In accordance with the Privacy Act 1993, you have full access to all information we have stored about you. Please contact us to arrange this.

As is common practice, when you visit our site a “cookie” is created. This is a file on your hard drive which means that our website will operate more quickly when you return. Our cookies don′t record any personal information - they simply note the areas of the site you visit.


	What is life insurance? Life insurance provides a lump-sum payment if the insured person dies. Who is paid? The lump sum is paid to the insurance′s policy owner. Who can apply? It can vary by insurer, but usually any person between the ages of 16 & 74 (and is an NZ Citizen or a permanent resident) can apply. Note: if you are in New Zealand on a work visa and are currently in the process of applying for residency you may also be eligible. And New Zealand Citizens or permanent residents living overseas can also get cover in some situations. Please contact us for further details on 0800 800 400. What is covered? A good life insurance policy will provide cover in the event of death through any cause (e.g. sickness, accident, etc). What isn′t covered? The main exclusion is for suicide within the first 13 months of setting up the policy. Insurers can also decline a claim if there has been significant “non-disclosure” on the application form (for example not mentioning a history of illness). For this reason, if you are in doubt about the relevance of any information you should always disclose it during the application process. Terminal illness Benefit Policies will also make an early payment of your life insurance if you are diagnosed by a doctor as being terminally ill (which usually means likely to die within 12 months).