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FAQs | Pinnacle Life
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Easy and Affordable. </div> </div> </a> </li> <li> <a class="main-nav__product-link" href="https://www.pinnaclelife.co.nz/income-protection"> <img class="w-16" src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Icons/product-icons/income-protection.svg" alt="" /> <div> <div class="font-medium"> Income Protection </div> <div class="text-small"> Safeguard Your Livelihood, Secure Your Future </div> </div> </a> </li> </ul> </div> <div> <ul class="main-nav__products"> <li> <a class="main-nav__product-link" href="https://www.pinnaclelife.co.nz/disability-cover"> <img class="w-14" src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Icons/product-icons/disability-cover.svg" alt="" /> <div> <div class="font-medium"> Disability 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> <li> <a class="main-nav__product-link" 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 class="main-nav__overview-link " href="https://www.pinnaclelife.co.nz/help-with-life-insurance"> <span class="heading--card"> Help with Life Insurance Overview </span> <svg class="icon icon--arrow" aria-hidden="true"> <use xlink:href="#icon-arrow"></use> </svg> </a> <div class="main-nav__secondary-items"> <ul class="main-nav__items--level2"> <li> <a class="main-nav__link--level2" href="/help-with-life-insurance/#videos-downloads"> <span>The basics in 5 minutes</span> </a> </li> <li> <a class="main-nav__link--level2" href="/help-with-life-insurance/#cover-level-comparison"> <span>How much life insurance do other people have?</span> </a> </li> <li> <a class="main-nav__link--level2" href="/help-with-life-insurance/#tools-calculators"> <span>Tools & calculators</span> </a> </li> <li> <a class="main-nav__link--level2" href="/help-with-life-insurance/#how-it-works"> <span>How it works</span> </a> </li> <li> <a class="main-nav__link--level2" href="/help-with-life-insurance/#faqs"> <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--support-page region theme--f"> <div class="region-inner global-grid wrapper"> <div class="support-page-header global-grid"> <div class="l:col-start-1 l:col-end-4"> <a href="/customer-support#support-links" class="button button--link button--back mb-xxs xl:mb-m print:hidden"> <svg class="icon icon--s" aria-hidden="true"> <use xlink:href="#icon-arrow-left"></use> </svg> Customer support </a> </div> <div class="l:col-start-4 l:col-end-12"> <header class="mb-m"> <h1 class="heading--page">FAQs</h1> </header> </div> </div> <div class="support-page-body global-grid l:grid-rows-1"> <div class="scroll-nav-ui l:col-start-1 l:col-end-4 l:row-start-1 l:row-end-2 l:pr-8"> <div class="scroll-nav-ui__inner top-0 l:sticky l:top-header-height"> <nav class="scroll-nav scroll-nav--static"> <ul class="scroll-nav-items"> <li> <a class="scroll-nav-link is-active" href="/customer-support/faqs/life-insurance"> <span class="scroll-nav-link-label">Life Insurance <span class="count">15</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/income-protection"> <span class="scroll-nav-link-label">Income Protection <span class="count">13</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/critical-conditions-cover-faq"> <span class="scroll-nav-link-label">Critical Conditions Cover <span class="count">11</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/disability-cover-faq"> <span class="scroll-nav-link-label">Disability Cover <span class="count">7</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/general"> <span class="scroll-nav-link-label">General <span class="count">7</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/claims-faq"> <span class="scroll-nav-link-label">Claims <span class="count">4</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/getting-a-policy"> <span class="scroll-nav-link-label">Getting a policy <span class="count">13</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/once-your-policy-is-in-place"> <span class="scroll-nav-link-label">Once your policy is in place <span class="count">14</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/covid-19"> <span class="scroll-nav-link-label">COVID-19 <span class="count">7</span></span> </a> </li> </ul> </nav> <figure class="media media--aside aspect-6x11 rounded-pill max-l:hidden"> <picture> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Pages/About/_800x1067_crop_center-center_95_none_ns/234/Image.webp" alt="" sizes="auto" width="568" height="757" class=" " > </picture> </figure> </div> </div> <div class="l:col-start-4 l:col-end-13 l:row-start-1 l:row-end-2"> <section class="support-faqs global-grid border-t border-divider pt-m m:pt-l xxl:grid-cols-9"> <div class="accordions xxl:col-start-1 xxl:col-end-9"> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What types of life insurance cover does Pinnacle offer?</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 a comprehensive Life Insurance policy where you set the tax-free payout amount. You can add your partner for a joint policy and enhance your cover with options like <a href="https://pinnaclelife2024.fastly.deploy.net.nz/critical-conditions-cover" target="_blank" rel="noreferrer noopener">Critical Conditions</a>, <a href="https://pinnaclelife2024.fastly.deploy.net.nz/disability-cover" target="_blank" rel="noreferrer noopener">Disability</a>, or <a href="https://pinnaclelife2024.fastly.deploy.net.nz/income-protection" target="_blank" rel="noreferrer noopener">Income Protection</a>.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">How do I apply for life insurance with Pinnacle?</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>Apply <a href="https://pinnaclelife2024.fastly.deploy.net.nz/quote" target="_blank" rel="noreferrer noopener">online</a> for life insurance in just 10 minutes. Get a quote in 30 seconds by providing your gender, age, and smoking status. Adjust the tax-free payout amount to fit your needs, and if you’re happy with the monthly premium, answer a few health questions and set up your payment. Need help? Our team is here to support you every step of the way. Call 0800 22 22 23 or <a href="https://www.pinnaclelife.co.nz/contact">contact us</a> anytime.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Do I need a medical exam to get cover?</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>Most of our customers don't need a medical exam. However, occasionally, we may need more information from your doctor to assess your application, and sometimes, we may ask for a medical exam or a blood test. If this is the case, we will discuss it with you first. </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 help understanding my cover options?</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! Our team is here to answer any questions you may have. Call 0800 22 22 23, email us at <a href="mailto:getcovered@pinnaclelife.co.nz">getcovered@pinnaclelife.co.nz</a> or use our <a href="https://www.pinnaclelife.co.nz/contact">contact us form. </a>Alternatively, check out our award-winning <a href="https://advice.pinnaclelife.co.nz/" target="_blank" rel="noreferrer noopener">free advice tool</a> to help work out what cover is right for you.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What happens if I need to make a claim?</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 learn more about claims <a href="https://www.pinnaclelife.co.nz/claims">here</a>. Alternatively, simply give us a call at 0800 22 22 23 or email ask@pinnaclelife.co.nz. We’ll walk you through the process and let you know what information we need. We aim to pay most claims within 7-10 days of receiving all the required documentation. </p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Will Pinnacle Life pay out?</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>Pinnacle Life has paid 95.1%* of the claims made on our policies. That’s because everything we do, from the moment you first take out a policy, is about making sure we can pay your claim when the time comes. As long as you provide accurate information in your application, pay your premiums on time, and keep us updated on any health or lifestyle changes, you can rest assured that we will pay out as promised.</p><p>*as at 14th August 2024.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What is Life Insurance?</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>Life insurance takes care of the ones you leave behind. It is there to ensure that when you pass away, your loved ones will receive a tax-free, lump-sum payment of money.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What does life insurance cover?</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>The purpose of Life Insurance is to relieve your loved ones of any financial burden when you die. When you take out your policy and are deciding how much cover you need, consider how much debt you have and what you don't want your family to have to deal with. That might include things like a mortgage, funeral expenses, rent, schools fees and more.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">How much is life insurance?</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>There are a number of factors that affect the premiums you can expect to pay on your life insurance. These are tailored according to your age, gender and smoking status and can also be affected by your health and lifestyle.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">How does life insurance work?</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>Life insurance is usually paid out upon your death. However, you can also get it paid out early if you are diagnosed with a terminal illness leaving you with only 6-12 months (depending on your policy) or less to live.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">How to choose life insurance?</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>When <a href="/blog/guide-for-insurance" target="_blank" rel="noreferrer noopener">choosing your Life Insurance</a> start by choosing a provider that you trust. Then compare prices and any extra cover that you want, for example, <a href="https://pinnaclelife2024.fastly.deploy.net.nz/critical-conditions-cover" target="_blank" rel="noreferrer noopener">Critical Conditions</a> or <a href="https://pinnaclelife2024.fastly.deploy.net.nz/disability-cover" target="_blank" rel="noreferrer noopener">Disability Cover.</a> Life insurance premiums increase over time as you age and to keep up with inflation (you can turn this off at any time). It’s up to you to choose the lump-sum amount of your life insurance when you first take it out. If you get stuck our customer service team at Pinnacle Life are able to help you make the best decision for you or try our <a href="https://advice.pinnaclelife.co.nz/" target="_blank" rel="noreferrer noopener">free advice tool</a>.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">How to get life insurance</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>At Pinnacle Life, our priority is to help you provide for those you leave behind. We believe Life Insurance should be accessible to everyone and that you should be able to sort it yourself if you want to. You can get Pinnacle life Insurance all online in under 10 minutes or if you get stuck our customer service team can help you work out the right life insurance cover for you.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Does life insurance pay for suicidal death?</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>Life insurance pays for any cause of death, including terminal illnesses and accidents and yes, life insurance policies do cover suicide, It is however typical for policies to not provide cover for suicide for at least the first 13 months. The main reason for this is to make sure that people who may be thinking about suicide aren't influenced by thinking that their family will be financially looked after immediately – when really the most important thing to the family is having that person around in the future.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Why do I need life insurance?</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>Life Insurance provides for those you leave behind and helps them after you are gone. Having life insurance means that those you care about can have some peace of mind around making sure the mortgage and the bills are paid at a time when everything else can seem tough. A life insurance policy helps your family maintain their lifestyle if you become terminally ill or if you die unexpectedly.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Is term life insurance right for leaving a legacy?</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>Term Life Insurance is one way to ensure you can leave a legacy. You just need to make sure that your cover includes the amount you want to gift. But, at the same time, you should also be saving for the legacy you want to leave. As you get older, your premiums will get more expensive, which means that long term you’ll probably want to reduce your cover or cancel it. So just like eventually you’ll pay your mortgage off and won’t need life insurance; eventually, you should have your legacy saved, and you won’t need to pay for life insurance to cover it either. You don’t want to live to 93 and feel trapped paying premiums so that you can leave behind a legacy.</p> </div> </div> </div> </details> </div> </section> </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 xmlns="http://www.w3.org/2000/svg" width="31" height="31" fill="currentColor" viewBox="0 0 31 31"><path d="M30.955 15.477C30.955 6.93 24.026 0 15.477 0 6.93 0 0 6.929 0 15.477c0 7.727 5.659 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