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Life & Living Insurance

Protecting your income, life and lifestyle gives you and your loved ones peace of mind, should the unexpected happen.

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Great reasons to choose ANZ Life & Living Insurance

  • Insurance you can trust. We’ve partnered with insurance specialist, Cigna Life Insurance New Zealand Limited (Cigna), to offer you Life & Living Insurance. Cigna has an A (Excellent) financial strength rating from A.M. Best Company Inc, so you can be confident Cigna will be there when you need them.
  • Flexible options. You can take out a mix of Life Cover, Critical Illness or Living Expenses Cover to suit your needs – find out more about the options below.
  • Money when it’s needed most. Your beneficiaries can receive an advance payment of $10,000 under the funeral benefit to cover funeral-related expenses. And if you’re diagnosed with a terminal illness, Cigna may pay out your Life Cover in advance.
  • 30-day 'free look'. If you change your mind about your policy within 30 days of taking it out, you’ll get a full refund of any premiums paid.
  • Competitive pricing. Get a quote for your situation. Find out just how affordable cover can be – get a quote now.

Cover options - overview

Everyone’s different – so you can 'pick and mix' a combination of cover options to suit your needs. For full details see the policy document (PDF 600kB) – it’s simple and easy to understand.

Life Cover

  • You choose the amount of cover you want, up to $1 million, to help you and your family if you die or are diagnosed as terminally ill with life expectancy less than 12 months.
  • This cover could help you and your family with living expenses, repaying debt, and more.
  • Includes a funeral benefit, which provides an advance payment of $10,000 of your Life Cover to help pay for funeral-related expenses. The Life Cover amount is reduced once the funeral benefit is paid.

Critical Illness

  • You choose the amount of cover you want, up to $200,000, to help you and your family if you’re diagnosed with one of 12 serious medical conditions and certain conditions are met. 
  • This cover could help with living expenses, repaying debt, or support your recovery. 
  • The 12 serious conditions include; Cancer, Chronic liver disease, Chronic lung disease, Coronary artery angioplasty (triple vessel only), Coronary artery bypass graft, Heart valve surgery, Kidney failure, Major heart attack, Major organ transplant, Multiple sclerosis, Paralysis and Stroke.

Living Expenses Cover (income protection)

  • This cover can provide a monthly payment to help with living expenses or repaying debt if you can’t work due to accident or illness (unlike ACC which only provides cover if you can’t work because of an accident). 
  • Can provide a payment of up to $4,000 per month for up to 24 months. 
  • You choose the amount of cover you want, up to the maximum of $4,000 per month.

Optional extra – Redundancy

  • With Living Expenses Cover you have the option of adding Redundancy Cover to help you pay your living expenses if you're made redundant and looking for full-time employment.
  • You choose the amount of cover you want, up to the maximum of $4,000 per month for up to 180 days.

How does Life & Living Insurance work?

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

We'll help you figure things out

Looking to get Life & Living Insurance at ANZ?

Already have Life & Living Insurance at ANZ?

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

Making a claim

What else do you need to protect?

Your house

You’ve worked hard to get your house – insurance can help you protect it.

Your contents

Protect the things you own from accidental damage or loss.

Your car

Accidents happen. Insurance can help you get back on the road as quickly as possible.

Your business

Having the right insurance in place can keep your business running if the unexpected happens.

Get a quote

To get a quote, you’ll be redirected from to the quote tool on Cigna’s website. All quotes are provided by Cigna.

Important notice: Cigna is not accepting new applications for Redundancy Cover until further notice.  

Start quote

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 its related companies or any other person guarantees Cigna or any of the products issued by it. ANZ may receive a commission on any policy it arranges.

Financial Strength Rating: Cigna Life Insurance New Zealand Limited has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, BFair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. The full rating scale is available from A.M. Best (PDF 150kb).

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.