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ANZ Life & Living Insurance

Designed to help you and your loved ones maintain your lifestyle and financial wellbeing if anything serious should happen to you, such as illness, injury or death. It’s important to consider a combination of life and living insurances to help you and your family protect what matters most - no matter what.


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Options to suit your needs

ANZ Life & Living Insurance is a comprehensive solution offering the optional benefits of Life Cover, Critical Illness, Living Expenses Cover and Redundancy.

Choose the combination of cover that suits your needs.

Provide financial assistance to your family in the event of your death or if you are diagnosed as terminally ill.

  • A lump-sum payment provides the flexibility to repay debt, help with living expenses, or provide for you and your family.
  • Cover of up to $1,000,000 is available.
  • Includes a funeral benefit, which provides an advance payment of $10,000 of your Life Cover to help pay for funeral-related expenses.


Provides financial security for you and your family if you’re diagnosed with one of 12 serious conditions.

  • To help repay your home loan, recuperate, or cover your living expenses.
  • Cover for up to $200,000 is available.


Help repay debts or help with your living expenses if you can't work due to accident or illness.

  • Allows you to focus on your recovery without financial stress.
  • Provides a payment of up to $4,000 per month for up to 24 months.


Helps to cover your living expenses if you're made redundant and looking for full-time employment.

  • Only available if you also take Living Expenses Cover.
  • Allows you to focus on your next career step.
  • Provides a payment of up to $4,000 per month for up to 180 days.

More options

Our Life & Living Insurance is ideal for many people but if you find this policy isn't quite right for your specific needs, we also have specialists who can work with you to tailor a policy to your requirements.

For full benefits, exclusions and conditions

What you need to know

Watch our short video summary of ANZ Life & Living Insurance cover.

Want to know more?

We understand Life & Living Insurance can be complex, so we've made some short videos to help explain these key areas:

Our insurer's financial strength rating

ANZ Life & Living insurance policies are underwritten and issued by Cigna Life Insurance New Zealand Limited (‘Cigna’) Cigna has an A (Excellent) financial strength rating given by A.M. Best Company Inc. 


We'll help you figure things out

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Existing customers

Call 0800 658 585 with any questions about your existing policy.

Help and support 

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The above information is a summary only of the cover and features that may be available. For full details of the terms, conditions and exclusions please refer to the ANZ Life & Living Insurance Policy Document (PDF 624kB), visit any ANZ branch or call 0800 269 296. ANZ Life & Living Insurance is underwritten and issued by Cigna Life Insurance New Zealand Limited (Cigna) and distributed through ANZ Bank New Zealand Limited (ANZ). Full terms, conditions and exclusions apply. For more details, including copies of policy documents, contact any ANZ branch. No member of the ANZ or any other person guarantees Cigna or any of the products issued by it. ANZ may receive a commission on any policy it arranges.