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Protecting Your Family's Future
Life and trauma insurance give you peace of mind that your family and future are financially secure, no matter what happens.
Life Insurance
Life Insurance provides a lump sum payment to protect your loved ones if you pass away or are diagnosed with a terminal illness. It can help cover funeral costs, mortgage repayments, living expenses, education, future investments, and other essential needs.
Trauma Insurance
Trauma Insurance supports you if you face a serious illness or injury. The lump sum payment helps cover medical bills, specialist treatment, living costs, rehabilitation, travel, accommodation, and other financial needs—so you can focus on recovery.
Need help choosing the right life insurance? Talk to our advisers
Specialist advice
Ongoing support
There to help when you need treatment
Financial guidance
Do you want extra protection?
Beyond life and trauma cover, these options can keep cashflow steady, protect your home, and support you after a permanent disability.
Income Protection
If illness or injury stops you from working, nib’s Ultimate Income Protection can replace a meaningful share of your regular income. Ongoing monthly payments help you keep life on track while you focus on getting well.
- Everyday living costs
- Medical and treatment bills
- Rehabilitation and recovery programs
- Debt and loan repayments
- Caregiver or support services
- Other essential expenses
Mortgage protection
If you can’t work due to sickness or injury, nib’s Ultimate Mortgage Protection helps keep your home loan covered through difficult periods.
- Choose up to 115% of your mortgage repayments or 45% of gross income
- No ‘other income’ offsets applied to determine cover
- Cover monthly mortgage payments
- Protect the family home and future plans
- Reduce financial pressure when health comes first
- Fund home access/adjustment needs if required
Total & Permanent Disability (TPD)
A life-altering disability can change everything. nib’s Ultimate TPD provides a one-off lump sum so you can rebuild with fewer money worries.
- Major medical and specialist costs
- Rehabilitation and long-term therapies
- Home modifications and accessibility upgrades
- Ongoing living expenses
- Caregiver or in-home support
- Other essential needs during transition
Frequently asked questions
We focus on core personal risk covers in New Zealand—Life Insurance (lump sum), Trauma/Critical Illness, Income Protection, Mortgage Protection, and Total & Permanent Disability (TPD).
We highlight key features from each insurer’s official policy wording, including claimable events/definitions (e.g., TPD criteria and trauma conditions), waiting and benefit periods for income/mortgage protection, offsets and indexation rules, built‑in vs optional benefits, exclusions, benefit limits, and upgrade terms.
SP Insurance’s brokers are licensed financial advisers. They can assess your needs, explain product details, and recommend a health plan tailored to your situation.
Yes. We recommend reviewing the full policy wording and discussing it with an SP Insurance licensed adviser to ensure it matches your needs.
Absolutely. They can help you combine benefits, adjust cover levels, and explore optional add-ons to suit your health and budget goals.
Some insurers offer family or multi-life discounts. SP Insurance can check eligibility and help you access any available savings.
Term Life offers coverage for a fixed duration and is generally more affordable, whereas Whole Life covers you for life and may build cash value over time.
Trauma cover provides a lump-sum payment if you're diagnosed with specified serious illnesses like cancer, stroke, or heart attack — allowing you to use it however you need during recovery.
ACC only covers income loss from accidents. Income Protection covers both illness and injury, providing up to around 75% of your income monthly.
They serve different purposes — Life Insurance supports beneficiaries in the event of death or terminal illness, while Income Protection helps you manage living costs if you're unable to work due to sickness or injury.
Generally no — life insurance payouts are not subject to income tax, making them tax-efficient for your beneficiaries.
Consider your debts, ongoing expenses, future plans like education, and generate a quote using cover calculators or by speaking to a qualified adviser.
Yes — some policies offer a Special Events Increase Facility to raise your cover without additional health checks when you experience major life events.
Claims related to pre-existing conditions, self-inflicted injury, some mental health issues, and dangerous jobs or hobbies are often excluded — always review your policy wording.