Compare Life Insurance Financial Calculators

Compare Life Insurance is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Life Insurance Calculator

Estimate your life insurance needs with our Life Insurance Calculator. Work out the right level of cover to protect your family and secure their financial future.

Family Life Insurance Calculator

Plan ahead with our Family Life Insurance Calculator, designed for couples who want a clearer picture of their protection needs. It assesses Life, Trauma and TPD cover for both partners, factors in existing policies and super benefits, and highlights any shortfalls with detailed recommendations and easy-to-read visual insights.

'Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.'

Life Insurance Articles

How Life Insurance Underwriting Works in New Zealand

Life insurance underwriting is the assessment an insurer carries out after you apply for cover. It helps determine whether cover can be offered, what premium may apply, and whether any special terms, exclusions or loadings are needed. - read more

Types of Life Insurance Cover in New Zealand Explained

Life insurance in New Zealand can include several different types of personal cover, including life cover, terminal illness benefits, trauma cover, TPD cover and income protection. Understanding how these covers differ can help you compare policies more confidently before requesting quotes. - read more

Understanding Life Insurance Cover Amounts and Household Financial Needs

Choosing a life insurance cover amount is one of the most important parts of arranging a policy. The cover amount, sometimes called the sum insured, is the amount that may be paid to beneficiaries or an estate if a valid life insurance claim is accepted. - read more

How Life Insurance Advisers and Brokers Work in New Zealand

Life insurance advisers and brokers can help New Zealand consumers compare policies, understand underwriting questions and arrange cover. This guide explains how advice is regulated, what disclosures to expect, how commissions may work and what to do if you have a complaint. - read more

Insurance News

What insurance law reform means for life cover buyers

18 Aug 2026: Paige Estritori

New Zealand's insurance law reforms are moving from policy debate into practical preparation, and life insurance customers should pay attention. The changes are designed to modernise old insurance rules, improve contract fairness and make the responsibilities of both insurers and consumers easier to understand. For households considering life, trauma, total and permanent disability or income protection cover, the key point is not that applications become less serious. It is that the process should become clearer and more proportionate. - read more

Why switching life insurance deserves a careful second look

11 Aug 2026: Paige Estritori

Renewed industry attention on replacement life insurance advice is a timely reminder for New Zealand households: changing policies is not the same as changing a power plan or mobile provider. A cheaper premium can be attractive, especially when household budgets are under pressure, but the real question is whether the new cover protects your family at least as well as the policy being left behind. - read more

What Asteron Lifeâ€™s ownership shift means for cover reviews

04 Aug 2026: Paige Estritori

Asteron Lifeâ€™s ownership transition from Suncorp to Resolution Life has put another spotlight on a practical question for New Zealand life insurance customers: what should you do when the company behind your policy changes? For most existing policyholders, an ownership change does not automatically rewrite the promises in a current contract. - read more

What complaint trends mean for life insurance buyers

28 Jul 2026: Paige Estritori

Recent industry attention on insurance complaints is a useful reminder that buying life cover is not only about finding the lowest premium. For New Zealand households, the real test of a policy often comes years later, when a claim is made and the insurer checks whether the policy terms have been met. - read more

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Knowledgebase

Term Life Insurance:
A form of life insurance that is a pure protection policy with no cash or maturity value which lasts for a specific length of time, called a term.

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