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Terms & Conditions | Pinnacle Life
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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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<span>FAQs</span> </a> </li> <li> <a class="main-nav__link--level2" href="/help-with-life-insurance/#our-icon-customers-say-the-loveliest-things"> <span>Customer testimonials</span> </a> </li> </ul> </div> </div> </div> </div> </li> <li class="main-nav__item"> <a href="https://www.pinnaclelife.co.nz/claims" class="main-nav__link--level1 " target="">Claims</a> </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"> Customer support </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 class="main-nav__overview-link " href="https://www.pinnaclelife.co.nz/customer-support"> <span class="heading--card"> Customer support overview </span> <svg class="icon icon--arrow" aria-hidden="true"> <use xlink:href="#icon-arrow"></use> </svg> </a> <div class="main-nav__secondary-items"> <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-pencil"></use> </svg>Changes you can make now </div> <ul class="main-nav__items--level2"> <li> <a class="main-nav__link--level2" href="https://www.pinnaclelife.co.nz/customer-support/change-your-contact-details"> <span> Contact details </span> </a> </li> <li> <a class="main-nav__link--level2" href="https://www.pinnaclelife.co.nz/customer-support/change-your-name"> <span> Your name </span> </a> </li> <li> <a class="main-nav__link--level2" href="https://www.pinnaclelife.co.nz/customer-support/change-your-payment-method"> <span> Payment method </span> </a> </li> <li> <a class="main-nav__link--level2" href="https://www.pinnaclelife.co.nz/customer-support/change-the-owner-of-your-policy"> <span> Owner of your policy </span> </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" href="https://www.pinnaclelife.co.nz/customer-support/funeral-and-mortgage-insurance-policy-holders"> <span> Funeral & Mortgage Insurance Policy Holders </span> </a> </li> <li> <a class="main-nav__link--level2" href="https://www.pinnaclelife.co.nz/customer-support/wills-and-enduring-powers-of-attorney"> <span> Wills and Enduring Powers of Attorney </span> </a> </li> <li> <a class="main-nav__link--level2" href="https://www.pinnaclelife.co.nz/customer-support/vulnerable-customers"> <span> Vulnerable Customers </span> </a> </li> <li> <a class="main-nav__link--level2" href="https://www.pinnaclelife.co.nz/customer-support/have-a-complaint"> <span> Have a complaint? </span> </a> </li> <li> <a class="main-nav__link--level2" href="https://www.pinnaclelife.co.nz/customer-support/faqs"> <span> FAQs </span> </a> </li> </ul> </div> </div> </div> </div> </div> </li> <li class="main-nav__item"> <a href="https://www.pinnaclelife.co.nz/about" class="main-nav__link--level1 " target="">About us</a> </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="section--generic egion theme--f"> <div class="region-inner global-grid wrapper"> <div class="global-grid"> <div class="l:col-start-1 l:col-end-4"> <header class="mb-m"> <h1 class="heading--page"> Terms & Conditions </h1> </header> </div> <div class="l:col-start-5 l:col-end-12"> <div class="cms-blocks cms-blocks--support global-grid l:grid-cols-9"> <div id="terms-conditions" class="cms-block cms-block--heading-copy"> <div class="flow"> <header class="prose"> <h2 class="heading--block text-pretty"> Terms & Conditions </h2> </header> <div class="wysiwyg"> <p>Products available on this website are offered by Pinnacle Life Limited, a New Zealand licenced insurer. The website and the products sold on it are governed by New Zealand law. By using this website you agree to the following terms.</p><p>Pinnacle Life owns the Intellectual Property associated with the website. You agree not to reproduce any of the information in or on our website without our prior written consent.</p><p>We have some eligibility requirements around geographic location and New Zealand citizenship or visa status. We鈥檒l ask you questions about these as part of the application process. If you are outside the bounds of those eligibility requirements the information on this website won鈥檛 apply to you.</p><p>To the fullest extent of the law Pinnacle Life disclaims liability for damages of any kind that occur from your use of this website, cover obtained through it or the information provided on it. By using this website you understand and agree to this. While Pinnacle Life will take all best endeavours to ensure that this site is free from harmful code such as worms or viruses no guarantee of the safety of downloads is implied.</p><p>If there is a disparity between information in a specific policy document and information on this website the policy document will prevail.</p><p>Any calculators provided are for illustrative purposes only, they are based on generalised information and assumptions and do not constitute personalised advice. See <a href="https://pinnaclelife2024.fastly.deploy.net.nz/disclosure-statement">our disclosure statement</a> for further details.</p><p>Pinnacle Life will treat your information securely as outlined in <a href="https://www.pinnaclelife.co.nz/privacy-policy">our privacy policy</a>.</p> </div> </div> </div> </div> </div> </div> </div> </section> <footer class="site-footer region theme--a"> <div class="region-inner global-grid wrapper gap-y-8"> <div class="m:col-span-3"> <div class="flex items-center justify-between gap-12 m:flex-col m:items-start"> <a href="/" class="site-footer__logo"> <img src="/images/logo-pinnacle-life--footer.svg?v=2" alt="" class="max-nav:hidden" /> <img src="/images/logo-pinnacle-life-symbol--invert.svg?v=2" alt="" class="w-12 nav:hidden" /> <span class="sr-only">Pinnacle Life</span> </a> <nav class="site-footer__social"> <ul class="flex gap-2"> <li> <a href="https://www.facebook.com/pinnaclelifenz/?fref=ts" target="_blank"> <svg 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