How much cover do you need?

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| Pinnacle Life</title> <script>dataLayer = []; (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-5D44Q4'); </script><meta name="generator" content="SEOmatic"> <meta name="referrer" content="no-referrer-when-downgrade"> <meta name="robots" content="all"> <meta content="en_US" property="og:locale"> <meta content="Pinnacle Life" property="og:site_name"> <meta content="website" property="og:type"> <meta content="https://www.pinnaclelife.co.nz/help-with-life-insurance" property="og:url"> <meta content="How much cover do you need?" property="og:title"> <meta content="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Pages/Home/_1200x630_crop_center-center_82_none_ns/hero1.png?mtime=1733187027" property="og:image"> <meta content="1200" property="og:image:width"> <meta content="630" property="og:image:height"> <meta content="https://www.instagram.com/pinnaclelifenz/" property="og:see_also"> <meta content="https://www.linkedin.com/company/pinnacle-life/" property="og:see_also"> <meta content="https://www.facebook.com/pinnaclelifenz/" property="og:see_also"> <meta name="twitter:card" content="summary_large_image"> <meta name="twitter:creator" content="@"> <meta name="twitter:title" content="How much cover do you need?"> <meta name="twitter:image" content="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Pages/Home/_1200x630_crop_center-center_82_none_ns/hero1.png?mtime=1733187027"> <meta name="twitter:image:width" content="1200"> <meta name="twitter:image:height" content="630"> <link href="https://www.pinnaclelife.co.nz/help-with-life-insurance" rel="canonical"> <link href="https://www.pinnaclelife.co.nz" rel="home"> <style> </style></head> <body class="template--help-with-life-insurance js-body" data-livechat><noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-5D44Q4" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <div class="page js-page"><a href="#main" class="button button--primary button--skip">Skip to content</a> <header class="site-header site-header--unpinned" data-site-header> <div class="site-header__inner page-width flex h-full w-full items-center gap-x-4 px-x xxl:gap-x-8"> <div class="site-header__head"> <a href="/" class="site-header__logo block" title="Go to homepage"> <span class="sr-only">Pinnacle Life</span> <img class="site-header__logo-img" src="/images/logo-pinnacle-life.svg" alt="" /> </a> </div> <div class="site-header__body"> <div class="site-header__body-layout"> <div class="site-header__mobile-head flex h-full items-center justify-between nav:hidden"> <img class="site-header__logo-img js-main-nav-toggle" src="/images/logo-pinnacle-life--invert.svg?v=2" alt="" /> <div class="site-header__mobile-toolbar ml-auto flex items-center justify-end"> <a href="/quote" class="button button--quote"> Get a quote </a> <button type="button" class="site-header__toggle-button" aria-label="Search the site" data-site-search-toggle> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-search-small"></use> </svg> </button> <button type="button" class="site-header__toggle-button js-main-nav-toggle -mr-2" aria-label="Close main menu"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-nav-close"></use> </svg> </button> </div> </div> <nav aria-label="Main navigation" class="site-header__menu main-nav" id="nav"> <ul class="main-nav__items"> <li class="main-nav__item"> <button type="button" class="main-nav__link--level1 main-nav__link--subnav-toggle js-main-nav-level2-toggle "> <span class="main-nav__link-label"> Insurance products </span> <div class="pile"> <svg class="main-nav__subnav-indicator --default icon" aria-hidden="true"> <use xlink:href="#icon-subnav-indicator"></use> </svg> </div> </button> <div class="main-nav__dropdown main-nav__dropdown--products"> <div class="main-nav__dropdown-inner"> <div class="main-nav__items-wrap"> <div class="main-nav__secondary-items"> <div> <ul class="main-nav__products"> <li> <a class="main-nav__product-link" href="https://www.pinnaclelife.co.nz/life-insurance"> <img class="w-16" src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Icons/product-icons/life-insurance.svg" alt="" /> <div> <div class="font-medium"> Life Insurance </div> <div class="text-small"> Pinnacle Life Insurance. 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href="https://www.pinnaclelife.co.nz/critical-conditions-cover"> <img class="w-14" src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Icons/product-icons/critical-illness-cover.svg" alt="" /> <div> <div class="font-medium"> Critical Conditions Cover </div> <div class="prod-card__type heading--eyebrow mt-1"> <svg class="icon icon--addon" aria-hidden="true"> <use xlink:href="#icon-addon"></use> </svg>Life Insurance Add-on </div> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </li> <li class="main-nav__item"> <button type="button" class="main-nav__link--level1 main-nav__link--subnav-toggle js-main-nav-level2-toggle"> <span class="main-nav__link-label"> Help with Life Insurance </span> <div class="pile"> <svg class="main-nav__subnav-indicator --default icon" aria-hidden="true"> <use xlink:href="#icon-subnav-indicator"></use> </svg> </div> </button> <div class="main-nav__dropdown"> <div class="main-nav__dropdown-inner"> <div class="main-nav__items-wrap"> <a 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</a> </li> <li> <a class="main-nav__link--level2" href="https://www.pinnaclelife.co.nz/customer-support/change-the-beneficiary"> <span> The beneficiary </span> </a> </li> <li> <a class="main-nav__link--level2" href="https://www.pinnaclelife.co.nz/customer-support/change-your-level-of-cover"> <span> Your level of cover </span> </a> </li> <li> <a class="main-nav__link--level2" href="https://www.pinnaclelife.co.nz/customer-support/apply-for-special-event-increase"> <span> Special event increase </span> </a> </li> <li> <a class="main-nav__link--level2" href="https://www.pinnaclelife.co.nz/customer-support/change-to-a-non-smoker"> <span> Change to a non-smoker </span> </a> </li> </ul> </div> <div> <div class="heading--eyebrow mb-4 ml-4 flex items-center gap-x-2"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-information"></use> </svg>Further information </div> <ul class="main-nav__items--level2"> <li> <a class="main-nav__link--level2" 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</li> <li class="main-nav__item"> <a href="https://www.pinnaclelife.co.nz/contact" class="main-nav__link--level1 " target="">Contact us</a> </li> </ul> </nav> <div class="site-header__tools max-nav:py-xs nav:ml-auto"> <div class="site-header__tools-item --site-search max-nav:hidden nav:mr-auto"> <button type="button" class="site-header__toggle-button --site-search" aria-label="Search the site" data-site-search-toggle> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-search"></use> </svg> </button> </div> <div class="site-header__tools-item --phone"> <a href="tel:0800222223" class="link link--subtle flex items-center gap-2"> <svg class="icon icon--l" aria-hidden="true"> <use xlink:href="#icon-phone"></use> </svg> <span class="font-medium max-nav:text-block nav:sr-only xxl:not-sr-only"> 0800 22 22 23 </span> </a> </div> <div class="site-header__tools-item --ctas max-nav:hidden"> <ul> <li><a href="/quote" class="button button--quote">Get a quote</a></li> </ul> </div> </div> </div> <div class="site-header__body-underlay js-main-nav-toggle"></div> </div> <div class="site-header__mobile-toolbar ml-auto flex items-center justify-end nav:hidden"> <a href="/quote" class="button button--quote">Get a quote</a> <button type="button" class="site-header__toggle-button --site-search" aria-label="Search the site" data-site-search-toggle> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-search-small"></use> </svg> </button> <button type="button" class="site-header__toggle-button js-main-nav-toggle -mr-2" aria-label="Open main menu"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-nav-toggle"></use> </svg> </button> </div> </div> </header> <section class="gblock--help-hero region theme--f"> <div class="region-inner global-grid wrapper gap-y-m l:gap-y-m"> <div class="global-grid"> <div class="l:col-start-1 l:col-end-4"> <div class="heading--card mb-4 l:max-w-[10ch]">Help with Life Insurance</div> </div> <div class="l:col-start-4 l:col-end-12"> <header> <h1 class="heading--page"><p>How much cover do you need?</p></h1> </header> </div> </div> <div class="l:col-start-1 l:col-end-9"> <figure class="media media--rounded aspect-4x3 m:aspect-16x9"> <picture> <source media="(min-width: 500px) and (max-width: 699px)" srcset="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Pages/Help/_1000xAUTO_crop_center-center_95_none_ns/302344/Family-of-three-together.webp" width="1000" height="667"> <source media="(min-width: 700px)" srcset="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Pages/Help/_1600xAUTO_crop_center-center_95_none_ns/302344/Family-of-three-together.webp" width="1600" height="1067"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Pages/Help/_800xAUTO_crop_center-center_95_none_ns/302344/Family-of-three-together.webp" alt="" sizes="auto" width="800" height="533" class="w-full h-full object-cover " style="object-position: 50% 50%" > </picture> </figure> </div> <div class="l:col-start-9 l:col-end-13 l:pl-8"> <img class="prod-icon" src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Icons/product-icons/life-insurance.svg" alt=""/> <div class="prose flow"> <h2 class="heading--block">What type of cover should you choose? How much will it cost?</h2> <p>These are usually the first questions people are trying to answer, so if this is you, you鈥檙e not alone, and you鈥檝e come to the right place!</p> </div> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section id="videos-downloads" class="gblock--resources region theme--f"> <div class="region-inner global-grid wrapper"> <div class="l:col-span-3"> <div class="heading--card mb-4">Videos & downloads</div> </div> <div class="l:col-start-4 l:col-end-13"> <div class="flow"> <h2 class="heading--section">Life Insurance - the basics in 5 minutes</h2> <div class="wysiwyg"> <p>Understanding the basics of life insurance doesn鈥檛 have to be daunting. In just five minutes we鈥檒l guide you through the key points making the process simple and straightforward. Download our e-book or watch our videos for an intro to Pinnacle Life Insurance.</p> </div> </div> </div> <div class="mt-10 xl:col-start-4 xl:col-end-13"> <ul class="resource-cards max-xl:overflow-scroller grid grid-cols-3 gap-grid"> <li> <ResourceCard type="pdf" title="5 Big Life Insurance Questions" href="#pdf"/> <a class="resource-card card-link" href="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/downloads/eBook/5-Big-Life-Insurance-Questions.pdf" target="_blank"> <figure class="resource-card__media card-media media aspect-4x3"> <picture> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Pages/Help/_800x600_crop_center-center_95_none_ns/301964/5-big-questions.webp" alt="" sizes="auto" width="800" height="600" class=" " loading="lazy" decoding="async" > </picture> </figure> <div class="resource-card__detail mt-6 space-y-2 pr-8"> <div class="cluster heading--eyebrow"> <span>PDF Download</span> </div> <h3 class="heading--card">5 Big Life Insurance Questions</h3> </div> </a> </li> <li> <ResourceCard type="pdf" title="5 Big Life Insurance Questions" href="#pdf"/> <a class="resource-card card-link" href="https://youtu.be/hNeFOg72aTs" data-fancybox="video" target="_blank"> <figure class="resource-card__media card-media media aspect-4x3"> <picture> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Pages/Help/_800x600_crop_center-center_95_none_ns/305054/Explainer-video-imagery.webp" alt="" sizes="auto" width="800" height="600" class=" " loading="lazy" decoding="async" > </picture> </figure> <div class="resource-card__detail mt-6 space-y-2 pr-8"> <div class="cluster heading--eyebrow"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-play-circle"></use> </svg> <span>Watch video</span> </div> <h3 class="heading--card">Life Insurance explained</h3> </div> </a> </li> <li> <ResourceCard type="pdf" title="5 Big Life Insurance Questions" href="#pdf"/> <a class="resource-card card-link" href="https://www.youtube.com/watch?v=NO79KeVkjOY" data-fancybox="video" target="_blank"> <figure class="resource-card__media card-media media aspect-4x3"> <picture> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Pages/Help/_800x600_crop_center-center_95_none_ns/302823/Pinnacle-Life-Compnay-Video.webp" alt="" sizes="auto" width="800" height="600" class=" " loading="lazy" decoding="async" > </picture> </figure> <div class="resource-card__detail mt-6 space-y-2 pr-8"> <div class="cluster heading--eyebrow"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-play-circle"></use> </svg> <span>Watch video</span> </div> <h3 class="heading--card">Who is Pinnacle Life?</h3> </div> </a> </li> </ul> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section id="cover-level-comparison" class="gblock--compare-by-age region theme--a" data-cover-compare> <div class="region-inner global-grid wrapper items-center"> <div class="global-grid"> <div class="l:col-span-3"> <div class="heading--card mb-4"> Cover level comparison </div> </div> <div class="flow flex h-full flex-col l:col-span-9 l:col-start-4 l:pr-m"> <h2 class="heading--section"> How much life insurance do other people have? </h2> <div class="flow prose--narrow l:hidden"> <p>When you're trying to figure out how much life insurance you need, seeing what other people have can be helpful.</p> <p>Let us know your gender and age, and we will show you what life insurance other people like you have looked at. This is a great starting point for what might be right for you. We've accessed over 140,000 quotes over two years, so you'll get a good ballpark.聽</p> </div> </div> <div class="mt-m grid gap-grid l:col-span-9 l:col-start-4 xxl:grid-cols-subgrid"> <div class="xxl:col-span-5"> <div class="compare-by-age theme--white rounded p-xs"> <form class="grid gap-y-8"> <div class="grid gap-x-6 gap-y-4 m:flex"> <div class="m:w-[140px]"> <label> <div class="mb-2 text-label max-m:sr-only"> How old are you? </div> <input type="text" name="age-input" class="js-age-input" id="age" placeholder="Your age?" /> </label> </div> <div> <div class="mb-2 text-label max-m:sr-only"> What is your gender? </div> <ul class="button-flush-group"> <li> <label class="radio-button"> <input type="radio" name="gender" id="Male" value="M" class="sr-only js-gender-input" /> <div class="button button--choice"> Male </div> </label> </li> <li> <label class="radio-button"> <input type="radio" name="gender" id="Female" value="F" class="sr-only js-gender-input" /> <div class="button button--choice"> Female </div> </label> </li> </ul> </div> </div> <hr class="js-result-div hidden" /> <div class="js-result-div hidden grid gap-y-6"> <div class="inline-flex gap-6 m:w-fit"> <div class="flex-1"> <h4 class="mb-1 text-eyebrow"> Average </h4> <div class="js-average text-metric--small"> $- </div> </div> <div class="flex-1"> <h4 class="mb-1 text-eyebrow"> Most popular </h4> <div class="js-most-popular text-metric--small"> $- </div> </div> </div> <ul class="flex items-center gap-4"> <li> <a href="/quote" class="button button--quote">Get a quote</a> </li> </ul> </div> <div class="js-result-div hidden" id="js-compare-chart-container"> <canvas id="js-compare-chart" class="w-full max-w-full h-[400px]"></canvas> </div> <hr class="js-result-div hidden" /> <div class="prose text-pretty text-small opacity-60"> <p>Disclaimer: * Data is provided by Chatswood Consulting Limited and is based on quote data for the period October 2022 to September 2024. This information is not聽personalised advice聽and is not a recommendation to purchase a certain level of life insurance.</p> </div> </form> </div> </div> <div class="max-l:hidden xxl:col-span-4 xxl:pl-10 xxl:pr-s max-xxl:-order-1"> <div class="flow prose--narrow"> <h3 class="heading--block"> When you're trying to figure out how much life insurance you need, seeing what other people have can be helpful. </h3> <div> <p>Let us know your gender and age, and we will show you what life insurance other people like you have looked at. This is a great starting point for what might be right for you. We've accessed over 140,000 quotes over two years, so you'll get a good ballpark.聽</p> </div> </div> </div> </div> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section id="tools-calculators" class="gblock--tools-and-calculators region theme--c"> <div class="region-inner global-grid wrapper"> <div class="l:col-span-3"> <div class="heading--card mb-4">Tools & calculators</div> </div> <div class="l:col-start-4 l:col-end-13"> <div class="flow"> <h2 class="heading--section">We鈥檝e designed our tools and calculators to help you be confident about what cover you need.</h2> </div> </div> <div class="mt-s l:col-start-4 l:col-end-13"> <ul class="tool-cards grid gap-grid m:grid-cols-2"> <li> <div class="tool-card"> <div class="tool-card__layout"> <div class="tool-card__header"> <h3 class="heading--block">Quote calculator</h3> </div> <div class="tool-card__desc prose--card"> <p>Already have number in mind? Get a quick and simple breakdown of how much different payment amounts will cost you.</p> <div class="tool-card__cta"> <a href="/quote" target="" class="button button--quote">Get a quote </a> </div> </div> <div class="tool-card__media"> <div class="phone-comp"> <div class="phone-screen"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Pages/Help/Tool-screens/quote-calculator.png" alt=""/> </div> <div class="phone-frame"></div> </div> </div> </div> </div> </li> <li> <div class="tool-card"> <div class="tool-card__layout"> <div class="tool-card__header"> <h3 class="heading--block">Free Life Insurance advice tool</h3> </div> <div class="tool-card__desc prose--card"> <p>Need help determining how much insurance you need? Our advice tool will step you through the process and give you a couple of options so you can be sure you know what's right for you.</p> <div class="tool-card__cta"> <a href="https://advice.pinnaclelife.co.nz/" target="_blank" class="button button--a">Get Advice <svg class="icon icon--arrow-out" aria-hidden="true"> <use xlink:href="#icon-arrow-out"></use> </svg> </a> </div> </div> <div class="tool-card__media"> <div class="phone-comp"> <div class="phone-screen"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Pages/Help/Tool-screens/digital-advice.png" alt=""/> </div> <div class="phone-frame"></div> </div> </div> </div> </div> </li> </ul> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section id="how-it-works" class="gblock--how-it-works region theme--f"> <div class="region-inner global-grid wrapper items-center"> <div class="global-grid gap-y-xxs"> <div class="flow l:col-start-4 l:col-end-8 xxl:col-end-7"> <h2 class="heading--section">How it works</h2> </div> <div class="flow l:col-span-3"> <div class="prose--card"> <p>If you change your mind within 30 days, we guarantee a full refund - no questions asked.</p> </div> </div> </div> <div class="row mt-s"> <ol class="how-cards max-xl:overflow-scroller grid grid-cols-3 gap-grid"> <li class="how-card"> <div class="how-card__layout"> <div class="how-card__header"> <span class="how-card__counter">1</span> <h3 class="heading--block">Get a quote</h3> </div> <div class="how-card__desc prose--card"> <p>Select your products and add a few details to get started (you can edit products later). Adjust your lump sum payout amount and monthly premiums to find the right balance for you.</p> </div> <div class="how-card__media"> <div class="phone-comp"> <div class="phone-screen"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Products/Life/step-1-basics-V2.png" alt=""/> </div> <div class="phone-frame"></div> </div> </div> </div> </li> <li class="how-card"> <div class="how-card__layout"> <div class="how-card__header"> <span class="how-card__counter">2</span> <h3 class="heading--block">Apply online</h3> </div> <div class="how-card__desc prose--card"> <p>We鈥檒l ask you some health and lifestyle questions; depending on your answers, you could be covered in just 10 minutes.聽</p> </div> <div class="how-card__media"> <div class="phone-comp"> <div class="phone-screen"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Products/Life/step-2-get-a-quote.png" alt=""/> </div> <div class="phone-frame"></div> </div> </div> </div> </li> <li class="how-card"> <div class="how-card__layout"> <div class="how-card__header"> <span class="how-card__counter">3</span> <h3 class="heading--block">Get covered</h3> </div> <div class="how-card__desc prose--card"> <p>We鈥檒l email you your policy. Your cover starts immediately, provided we receive your first payment within 14 days.</p> </div> <div class="how-card__media"> <div class="phone-comp"> <div class="phone-screen"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Products/Life/step-3-get-covered.png" alt=""/> </div> <div class="phone-frame"></div> </div> </div> </div> </li> </ol> </div> <div class="row mt-s m:flex m:justify-center"> <a class="button button--quote" href="/quote">Get a quote</a> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section id=our-blog class="gblock--article-feed region theme--f print:hidden"> <div class="region-inner global-grid wrapper gap-y-6 l:gap-y-10"> <div class="l:col-start-4 l:col-end-13"> <div class="flex items-baseline justify-between gap-xxs l:justify-start"> <h2 class="heading--section">Our blog</h2> <div> <a href="/blog" class="button button--link"> View all <svg class="icon icon--arrow" aria-hidden="true"> <use xlink:href="#icon-arrow"></use> </svg> </a> </div> </div> </div> <div class="row"> <ul class="article-feed max-xl:overflow-scroller grid grid-cols-4 gap-grid"> <li> <a class="article-card article-card--featured card-link" href="/blog/is-income-protection-right-for-you"> <figure class="article-card__media card-media media aspect-4x3"> <picture> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Blog-Images/2024-and-before/_800x600_crop_center-center_95_none_ns/299117/Breno-assis-r3WAWU5Fi5Q-unsplash.webp" alt="" sizes="auto" width="800" height="600" class=" " loading="lazy" decoding="async" > </picture> </figure> <div class="article-card__detail mt-6 space-y-2 pr-8"> <div class="date heading--eyebrow"> <time datetime="2024-11-13">Nov 13, 2024</time> </div> <h3 class="heading--card">Is income protection right for you?</h3> </div> </a> </li> <li> <a class="article-card article-card--mini card-link" href="/blog/busting-7-life-insurance-myths"> <figure class="article-card__media card-media media aspect-4x3"> <picture> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Blog-Images/2024-and-before/_800x600_crop_center-center_95_none_ns/facts.webp" alt="" sizes="auto" width="632" height="474" class=" " loading="lazy" decoding="async" > </picture> </figure> <div class="article-card__detail mt-6 space-y-2 pr-8"> <div class="date heading--eyebrow"> <time datetime="2024-10-16">Oct 16, 2024</time> </div> <h3 class="heading--card">Busting (7) Life Insurance Myths</h3> </div> </a> </li> <li> <a class="article-card article-card--featured card-link" href="/blog/can-you-afford-not-to-have-life-insurance-2"> <figure class="article-card__media card-media media aspect-4x3"> <picture> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Blog-Images/2024-and-before/_800x600_crop_center-center_95_none_ns/299112/Family-protection.webp" alt="" sizes="auto" width="800" height="600" class=" " loading="lazy" decoding="async" > </picture> </figure> <div class="article-card__detail mt-6 space-y-2 pr-8"> <div class="date heading--eyebrow"> <time datetime="2024-09-18">Sep 18, 2024</time> </div> <h3 class="heading--card">Can you afford not to have life insurance</h3> </div> </a> </li> <li> <a class="article-card article-card--featured card-link" href="/blog/life-insurance-awareness-month-2024"> <figure class="article-card__media card-media media aspect-4x3"> <picture> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Blog-Images/2024-and-before/_800x600_crop_center-center_95_none_ns/299107/Life-Insurance-Awareness-Month-2024.webp" alt="" sizes="auto" width="800" height="600" class=" " loading="lazy" decoding="async" > </picture> </figure> <div class="article-card__detail mt-6 space-y-2 pr-8"> <div class="date heading--eyebrow"> <time datetime="2024-09-04">Sep 04, 2024</time> </div> <h3 class="heading--card">Life Insurance Awareness Month 2024 - answering your questions</h3> </div> </a> </li> </ul> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section id="faqs" class="gblock--faqs region theme--f"> <div class="region-inner global-grid wrapper gap-y-s"> <div class="flow l:col-span-8 l:col-start-4"> <h2 class="heading--section">Frequently asked questions</h2> <div class="prose"> <p>For more commonly asked questions answered, <a href="https://pinnaclelife2024.fastly.deploy.net.nz/customer-support/faqs">click here</a>.聽</p> </div> <div class="accordions" data-accordions=""> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">How do you work out how much premium I pay?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Premiums are calculated based on several factors, including your age, gender, smoking status, medical history, some lifestyle factors, and how much cover you need. Actuaries work out the likelihood of you needing to make a claim based on all these factors and set the premiums accordingly. There are some things you can do to control what you pay, including not smoking, maintaining a healthy weight and not undertaking risky activities, like sky diving or rock climbing. The amount of cover you choose also affects your premium, more cover will cost more.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What are your age limits?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>We offer cover to people aged between 18 and 75. Specifically, the age limits are:</p><p>For Life Insurance</p><ul><li>you can apply online if you are aged 20-69</li><li>or by talking to us if you are 18-74.</li><li>You can be living in NZ, Australia, USA, Canada, UK, Ireland, Hong Kong or Singapore.</li></ul><p>For Income Protection</p><ul><li>you can apply if you are 20-59 and,</li><li>living and working in NZ.</li></ul><p>For Critical Conditions (note you can only apply for Critical Conditions at the same time that you apply for life insurance)</p><ul><li>You can apply online if you are age 20-59</li></ul><p>For Disability Cover (note you can only apply for Disability Cover at the same time that you apply for life insurance)</p><ul><li>You can apply online if you are age 20-59</li></ul> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Does it matter if I have other life cover policies?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>No. You can have as many policies as you like with as many companies as you like.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Can I get cover for my parent/partner?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Yes, they simply need to apply. Note that it's the <strong>person getting insured</strong> who must provide the answers to the health questions on the application form and complete the declaration. When the policy is issued, the insured person will also be the policy owner. If they want to change that, they will need to request an update using the 'change of ownership' form included in the policy.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What are your cover limits?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>For Life Insurance</p><ul><li>if you apply online you can get cover from $100,000 to $1,500,000.</li><li>If you鈥檇 like to apply for cover of under $100,000 or up to $2 million <a href="https://www.pinnaclelife.co.nz/contact">contact </a>our office (there will be some extra medical check requirements for the higher cover levels).</li></ul><p>For Income Protection聽</p><ul><li>Your Income Protection Cover amount cannot exceed 75% of your monthly income or $15,000 per month.</li><li>There are also limits depending on the age of the life insured :<ul><li>When covering 40% of the insured person鈥檚 monthly income, our cover limit is:聽<ul><li>$8,000 per month if the insured person is aged 20 to 50,</li><li>$6,670 per month if they are aged 51 to 54 and聽</li><li>$5,340 per month if they鈥檙e aged 55 to 65.聽</li></ul></li><li>When covering 60% of the insured person鈥檚 monthly income, our cover limit is:<ul><li>$12,000 per month if the insured person is aged 20 to 50,聽</li><li>$10,000 per month if they are aged 51 to 54</li><li>$8,000 per month if they鈥檙e aged 55 to 65.聽</li></ul></li><li>When covering 75% of the insured person鈥檚 monthly income, our cover limit is:<ul><li>$15,000 per month if the insured person is aged 20 to 50,聽</li><li>$12,500 per month if they are aged 51 to 54 and $</li><li>10,000 per month if they are aged 55 to 65.</li></ul></li></ul></li></ul> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Where can I find Pinnacle Lifes' Terms and Conditions and Privacy Policy?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>You can find our <a href="https://pinnaclelife2024.fastly.deploy.net.nz/terms-and-conditions" target="_blank" rel="noreferrer noopener">terms and conditions here</a> and <a href="https://pinnaclelife2024.fastly.deploy.net.nz/privacy-policy" target="_blank" rel="noreferrer noopener">our privacy policy here</a>.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What's your financial strength rating?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p><a href="http://www.ambest.com/home/default.aspx" target="_blank" rel="noreferrer noopener">A.M Best</a> rates Pinnacle Life Limited 'B+' financial strength (Good) and a bbb- issuer credit rating (outlook 'stable') at 1 May 2024. Our financial strength rating is important because it lets you know whether you can rely on us to be there when you need us.聽</p><p>You may also want to know that Pinnacle Life is reinsured by <a href="https://www.hannover-re.com/en/local-offices/australia/#property-casualty">Hannover Life Re of Australasia Ltd</a>,<strong> </strong>which is part of the global group Hannover Re, one of the five largest reinsurance groups in the world. Reinsurance is important because it allows insurance companies to spread risk, meaning they are unlikely to get overwhelmed if claims are unusually high. Hannover Re鈥檚 financial strength rating can be found <a href="https://www.hannover-re.com/en/investors/ratings/">here</a>.</p> </div> </div> </div> </details> </div> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section id="our-icon-customers-say-the-loveliest-things" class="gblock--reviews region theme--c"> <div class="region-inner global-grid wrapper gap-y-5"> <div class="flow l:col-start-1 l:col-end-4 l:row-start-1 l:row-end-2 l:pr-8 l:pt-m"> <div class="flow"> <h2 class="heading--section"> Our <svg class="icon icon--logo-symbol inline align-baseline" aria-hidden="true" ><use xlink:href="#icon-logo-symbol"></use></svg > customers say the loveliest things </h2> <a href="https://www.feefo.com/en-GB/reviews/pinnacle-life" class="link link--cta" target="_blank"> <span>View all reviews</span> <svg class="icon icon--arrow" aria-hidden="true"> <use xlink:href="#icon-arrow"></use> </svg> </a> </div> </div> <div class="l:col-start-4 l:col-end-13 l:row-start-1 l:row-end-3"> <div class="review-card-grid max-l:overflow-scroller max-l:items-end"> <div class="review-card"> <div class="review-stars pile" style="--rating: 4"> <div class="empty"></div> <div class="full"></div> <div class="sr-only">4 / 5</div> </div> <div class="text flow"> <p>Gave good advice and followed up quickly.聽</p> <div class="meta text-small">John, October 2024</div> </div> </div> <div class="review-card"> <div class="review-stars pile" style="--rating: 5"> <div class="empty"></div> <div class="full"></div> <div class="sr-only">5 / 5</div> </div> <div class="text flow"> <p>All good, i like the online application process, it was quick to price check and find out what the insurance would cost.</p> <div class="meta text-small">Tracey and Howard, March 2024</div> </div> </div> <div class="review-card"> <div class="review-stars pile" style="--rating: 5"> <div class="empty"></div> <div class="full"></div> <div class="sr-only">5 / 5</div> </div> <div class="text flow"> <p>Very easy, first time ever Life insurance was easy. Other providers had equal opportunity but couldn't provide a confirmed quote a month after I applied.</p> <div class="meta text-small">Paul and Vicky, July 2024</div> </div> </div> <div class="review-card"> <div class="review-stars pile" style="--rating: 4"> <div class="empty"></div> <div class="full"></div> <div class="sr-only">4 / 5</div> </div> <div class="text flow"> <p>The lady was very friendly and helped with what I needed.</p> <div class="meta text-small">Trusted Customer, August 2024</div> </div> </div> <div class="review-card"> <div class="review-stars pile" style="--rating: 5"> <div class="empty"></div> <div class="full"></div> <div class="sr-only">5 / 5</div> </div> <div class="text flow"> <p>Fast, friendly & welcoming.</p> <div class="meta text-small">Trusted Customer, April 2024</div> </div> </div> </div> </div> <div class="l:col-start-1 l:col-end-4 l:row-start-2 l:row-end-3 l:self-end l:mt-m"> <div class="flex flex-row-reverse items-end justify-between gap-x-grid l:flex-col l:items-start l:gap-y-3"> <div> <svg xmlns="http://www.w3.org/2000/svg" width="89" height="21" fill="currentColor" viewbox="0 0 89 21"> <path d="M19.386 11.26h-7.064c.314-1.423 1.648-2.41 3.493-2.41 1.765.039 3.06.869 3.57 2.41Zm4.473 3.2v-.475c0-5.65-3.296-9.126-8.084-9.126-2.04 0-4.042.83-5.572 2.37-1.491 1.502-2.315 3.438-2.315 5.571 0 2.133.745 4.07 2.197 5.61 1.53 1.66 3.414 2.45 5.69 2.45 3.375 0 5.886-1.62 7.338-4.78h-4.826c-.667.592-1.413.829-2.315.829-1.923 0-3.1-.83-3.493-2.45h11.38Zm12.321-3.2h-7.063c.314-1.423 1.61-2.41 3.493-2.41 1.766.039 3.022.869 3.57 2.41Zm4.474 3.2v-.475c0-5.65-3.296-9.126-8.083-9.126-2.04 0-4.042.83-5.573 2.37a7.703 7.703 0 0 0-2.315 5.532c0 2.133.746 4.069 2.237 5.61 1.53 1.659 3.414 2.449 5.69 2.449 3.375 0 5.886-1.62 7.338-4.78h-4.905c-.667.592-1.413.83-2.315.83-1.923 0-3.1-.83-3.493-2.45h11.42v.04ZM1.609 8.691v11.773h4.356V8.691H7.73V5.294H5.965v-.356c0-1.382.314-1.856 1.648-1.856h.118V.04C7.495.04 7.26 0 7.063 0 3.336 0 1.61 1.462 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