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Guaranteed acceptance
No medical exams. No underwriting. Eligibility is confirmed through simple application questions.
About NeedIt Life
A path to protection for more New Zealanders
Guaranteed acceptance life insurance, including for people who have previously been declined cover because of their medical history. No exams. No medical underwriting.
Who we are
Straightforward life cover for real life
NeedIt Life gives everyday New Zealanders a simpler way to protect their family: guaranteed acceptance life insurance with no medical exams and no medical underwriting.
Even if you have a pre existing condition or have been declined elsewhere, you may still be eligible.
Our purpose
Helping people find protection when other options may not be available
Health history should not be the reason someone has no protection at all. NeedIt Life exists to close that gap.
Why NeedIt Life
Life insurance should not feel out of reach
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Flexible cover amounts
Choose cover from $50,000 up to $300,000 per insured person.
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Death and terminal illness protection
A one off lump sum benefit paid for any purpose: mortgage, debts, everyday costs or funeral expenses.
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Lifetime protection
Cover stays in place for life while premiums are paid, with an automatic 3% annual benefit increase (opt out available).
How the cover helps
Financial support when it matters most
The policy pays a one off lump sum benefit if the insured person passes away or is diagnosed with a terminal illness that meets the policy definition.
It is not restricted to a particular expense. It can help with mortgage or rent, household costs, outstanding debts, funeral expenses or other financial needs.
Cover can remain in place for life while premiums continue to be paid, with an automatic annual benefit increase of 3% (opt out available).
Protection for real life
Previously declined for life insurance? There may still be an option available
Learn more about guaranteed acceptance, available cover amounts, waiting periods, exclusions and the important conditions that apply to your policy.
Eligibility requirements, premiums, waiting periods, exclusions and policy terms apply. Guaranteed acceptance does not mean every claim is automatically covered. Please review the policy wording before applying.