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I want to

Quickly find out how much life cover may cost me

In less than a minute, we can give you an estimate of how much it could cost you by cover amount starting from $200,000 to $1.5 million of cover to give you options.  The amount ranges from the cheapest to the highest premium from most of New Zealand's major insurers.  

Get a quick estimate here

I want to

Talk to a financial adviser

 

And get a 10% discount for the life of the policy - potentially saving you thousands of dollars over time.

If you'd like to discuss your individual needs with a financial adviser, we have access to a nationwide team of Monument financial advisers(*) who can provide you with personalised advice about what type of cover would best suite your needs and budget. 

They also have have access to all New Zealand's major insurers like Partners Life, AIA, Chubb, Asteron Life and Fidelity Life.

They can help you to get a quote from different providers and help you decide what's best for your needs.

For over 30 years Monument has been HealthCarePlus’s appointed business partner to provide financial advice to HealthCarePlus Members on life and health insurance.

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Partnerslife
NIB
Fidelity Life
Asteron Life
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If I purchase Life Insurance via Monument

How much will I save over the life of my life insurance policy?

 

We ran the numbers using the Chatswood Life Insurance Benchmarking Report (April 2025) to see just how much HealthCarePlus members could save over the full life of their policy, assuming they hold cover until age 65.

Here’s what we found:

Life Insurance savings examples for 30 to 50

What Members say about Monument advisers

Shane King has been my adviser for many years and over the past 10 months he has handled all my claims and paperwork. In January I had a major operation on my head and I could not have handled my claims without the expertise and compassion shown by Shane. Shane has minimised my stress and looked out for me. I have complete confidence that he will continue to make sure I am fully informed and receive the best care and cover I am entitled to.

H from Wanganui

HealthCarePlus Member

Anthea has looked after my family so well for so long. A pleasant personality who treats my family as one of her own. When Rohini had a major medical emergency, Anthea stepped in going the extra mile of ensuring we managed our wellbeing well through the trauma. Thankfully, we had trauma insurance which got us a handsome payout to take care of everything

Sanjay & Rohini from Auckland

HealthCarePlus Member

We have benefitted hugely from David’s experience and advice. His help was invaluable in allowing us to design a policy that protected our family. When the worst did in fact happen, David offered support and advice. He helped us deal with a large number of complicated claims. We have really appreciated all the help he has provided.

Jess from Auckland

HealthCarePlus Member

I cannot speak more highly of Louisa. Since my cancer diagnosis, she has been on the journey alongside me every step of the way. I have relied on her to contact Partner’s Life on my behalf to have my procedures approved and make my claims when I was physically and emotionally unable to do this myself. She went far beyond the call of duty and I am so grateful to her for the help she gave me at a time when I most needed it.

Sharon from Auckland

HealthCarePlus Member

I was very happy with the service that I received from Barbara. She clearly listened to my situation, understood it and acted on it to find an appropriate policy for me. I found all her phone and email communication with me was very clear and pleasant. I would have no hesitation in recommending her for others seeking insurance of this kind..

Barbara's client

HealthCarePlus Member

Terms and Conditions

(*) To view Monument financial adviser’s terms of engagement and disclosure documents click here.

We may receive a commission or similar compensation payment from Monument Insurance NZ Ltd when you obtain their products and/or services through your membership of HealthCarePlus.  That will generally be in the form of an upfront payment, but we may also receive an ongoing trail commission payment in some cases. This enables us to provide you with Membership Benefits and the management of the charitable grants.