Life Insurance

Looking after your loved ones when you're gone

With life insurance you protect what matters most.  It provides peace of mind knowing that if the worst was to ever happen you know you’ve given your family financial protection for the future by providing them with a lump sum or monthly payment if you pass away. 

Are you prepared should such an event happen? Ask yourself these questions:

  • If there’s a mortgage, who will pay it if I’m gone?
  • What about my children's future, and what does it look if I’m gone?
  • I’m the major income provider, where does that income come from if I’m gone?

It can help them pay the rent or mortgage, put food on the table and pay the bills or it can be used to invest in your children’s education or other things you want for your family by paying a lump sum to the policy owner in the event of your death.

At HealthCarePlus we have you covered.  Through Monument, our financial advice provider, they have access to all of New Zealand’s major life insurers

Through HealthCarePlus you can get

A 10% discount

for the life of the policy (not just the first year)

Book an appointment

— What are the benefits?

Our collective bargaining strength enables us to offer you:

  • Discounts: Up to 10% for the life of your policy.
  • Choice: Price isn’t everything; we deal with a wide range of risk insurance companies and our preferred financial advisers will advise which policy wording is best for you.
  • Great advice and service: plans tailored to your unique personal needs by a Monument financial adviser. Regular reviews to ensure your protection remains relevant.
  • Greater financial security: illness and injury are real! These events often happen when least expected and create financial stress (not to mention emotional)! A financial adviser can offer you the ability to reduce both the financial and emotional stress by creating a protection plan for your specific needs.
  • It helps protect your family’s finances

    By providing your family with financial resources in the event of your untimely death and will pay your beneficiaries money to ensure they can continue to be financially supported.

  • Tax-free one-time payment

    Under New Zealand tax laws, you do not pay any income tax on any life insurance benefits you receive, provided they are taken out for personal use. This means that, following receipt of the benefit, the policy owner is not required to declare the lump sum payment to Inland Revenue, as no liability for income tax for the payment exists.

  • Terminal Illness Benefit

    If this is included in your policy and you are diagnosed with a terminal illness with a life expectancy of fewer than 12 months, the Life Cover benefit is paid early in a lump sum.

  • Peace of Mind

    Enjoy life knowing that you are looking after the people you love and the things you have worked hard for if life doesn’t go to plan.

  • Dignity

    In the event of a premature death your family’s dignity is and lifestyle is retained and they will not be forced to sell the family home, move schools and or suburbs due to financial stress.

Talk to a financial adviser

We offer a range of life insurance solutions to cover you and your family should the unexpected happen.

Our preferred financial advisers can help you make a well-informed decision on the type of Life Insurance that’s right for you and your family. 

Book a chat
Talk to a financial adviser

Life Insurance documents

We have developed an easy-to-read guide to help breakdown the confusion, jargon and complexity of the world of life Insurance and help answer questions you may have. Our aim is to make life insurance easy to understand, making it easier to make the right decisions when it comes to protecting what’s important. To download the full guide, please click here.


T&C's: Life Insurance may be underwritten by a range of New Zealand insurers. These products are managed through Monument Insurance Limited a division of Crombie Lockwood. For over 30 years Monument Insurance has been HealthCarePlus’s appointed business partner to provide financial advice to HealthCarePlus Members on life and health insurance. (HealthCarePlus as a Society is not legally able to provide financial advice).