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Partners Life

Life won't give you warning when it's over. Are you covered?

Partners Life is a proudly New Zealand operated and predominantly New Zealand owned business. We began with humble beginnings as a small start-up in 2011. Since then, we've become a recognised industry leader in life and health insurance. Our focus is on protecting Kiwi families and businesses when life is interrupted by a serious health event.

Life Cover

Life Cover pays out a one-off sum if you pass away or become terminally ill.


Trauma Cover

Trauma Cover products pay out a sum of money if you are diagnosed with, or suffer from one of the large number of listed serious health conditions.


Private Medical Cover

Private Medical Cover funds quick access to and a choice of treatment in the private medical sector meaning you can get the best care without having to wait for the public system.


Income Cover, Mortgage Repayment Cover

These products pay a monthly amount if you are unable to work due to illness or injury. They can be structured to pay for a short, specific term or provide cover all the way up until retirement age.





Partners Life also offers the following products. These products are not as easily comparable to other insurers products as those above, but you can still purchase them through LifeDirect. Get in touch to find out more.

Life Income Cover

Life Income Cover pays a regular monthly benefit for a set number of years if you pass away or become terminally ill.


Terminal Illness Cover

Terminal Illness Cover pays out a one-off sum if you are diagnosed with a terminal illness.


Severe Trauma Cover

Trauma Cover products pay out a sum of money if you are diagnosed with, or suffer from one of the large number of listed serious health conditions.


Household Expenses Cover

These products pay a monthly amount if you are unable to work due to illness or injury. They can be structured to pay for a short, specific term or provide cover all the way up until retirement age.


Total and Permanent Disability Cover

Total and Permanent Disability Cover pays out a sum of money if you become so severely ill or injured that you become permanently unable to return to work.


Specific Condition Cover and Hospital Cash Cover

These products pay a small, defined amount of money on suffering a specific health event, or requiring a specific medical treatment.




Innovative and comprehensive product development is the cornerstone of our focus at Partners Life - our approach is to develop products that deliver the strongest combination of coverage and value for money available in the market. This gives you the best possible chance to make a claim when things go wrong.

Some of the key benefits we offer:

Loyalty discount

We value our clients and to reward you for continuing to do business with us, we automatically start discounting your premium from your second policy anniversary. Discounts increase by 1% per year up to a maximum of 10%; and then continue for the life of your policy.

Free upgrades

Any new policy improvements or enhancements we introduce apply to our existing customers, meaning your cover will remain up to date and competitive through time.

Guaranteed policy wording

We guarantee all of our policy wordings will remain for the life of the contract. This means no matter what features and benefits we might restrict or remove for new policies in the future, our clients will retain their specific original policy wordings for as long as they keep their policy in force.

"If it's grey we will pay"

When a claim is received and it's not clear from the medical evidence if it should be accepted or declined, and no further clarifying evidence is available, we will accept the claim.

Premium holidays and suspensions

When life throws an unexpected curve ball or if you decide to travel overseas for a period of time, you can talk to us about taking a premium holiday or suspension.

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.

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