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

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 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

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 Asteron Life’s ownership shift means for cover reviews

04 Aug 2026: Paige Estritori

Asteron Life’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

Why easier access to advice matters when choosing life insurance

21 Jul 2026: Paige Estritori

A recent Good Returns TV discussion with Financial Markets Authority Director of Deposit Taking, Insurance and Advice Michael Hewes has renewed attention on a practical issue for New Zealand households: too many people still find financial advice hard to access, hard to understand, or too time-consuming to begin. - read more

A new life insurance discount puts long-term value in focus

14 Jul 2026: Paige Estritori

Partners Life has introduced a new Life Advantage discount, giving eligible customers a permanent reduction on selected life and trauma-related covers. The offer is aimed at non-smokers aged 16 and over who meet a specified body mass index range and complete full medical underwriting when applying for new or increased cover. - read more

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Knowledgebase

Insurance Policy Excess:
The amount you will have to contribute when you make a claim.

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