Back
Mortgage Insurance

Mortgage and Living Insurance

A comfortable lifestyle is the result of hard work, it makes sense to protect it right?

What is Mortgage and Living Insurance?

With Mortgage and Living Cover you'll receive regular payments if you're unable to work due to sickness or injury to help cover everyday expenses, like mortgage payments.

There are many ways to structure your cover and premiums, allowing you to tailor cover to your needs, lifestyle and importantly, budget! It's flexible too, so you can adapt it as your financial circumstances change.

Offering agreed level of cover, gives you certainty about how much you could receive if you need to claim – there's also a more cost effective option that offsets any other payments you might receive such as ACC.

Mortgage and Living cover is packed with features and you can boost the cover further with optional benefits.

Mortgage and Living benefits

Income support

Pay you a regular benefit if you're unable to work because of illness or injury

Rehabilitation & retraining support

Helps you with your rehabilitation and retraining costs

Recurrent disability

Pays you a regular benefit if you suffer the same sickness or disability within a year

Family assist

We'll pay for a nurse or family member to look after you at home for up to 6 months

Dependent relative

We'll pay you a monthly benefit for up to 6 months if you have to stop work to undertake full time care of a family member.

Return to work

Pays you a bonus benefit if you are able to return to work

Income or mortgage update

Increase your cover up to 10% each year without any medical underwriting, if your income or mortgage payments increase

Transition from Stepped to Level premiums

Ability to change how your premiums are structured

Optional benefits you can choose to include:

  • Mental health discount
  • Specific injury support
  • Income top up package
  • Immediate assist package
  • Ten-hour benefit
  • Redundancy
  • Free Kids Cover

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current development or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.

Starting a quote takes seconds, get on your way to being prepared for the unexpected.

Get quotes