Life Product Comparisons

Check out what’s included in the policy, for each of our insurers. Please note, features noted as optional add-ons may require additional premium above what we show for basic policy pricing on our Quote Now page.

Content on this page last updated: April 2016

AIA
AMP
Asteron Life
Fidelity Life
OnePath
Partners Life
Sovereign
Do they pay at least $15,000 up front for funeral costs?

$12.5K payable
Is suicide excluded from cover for the first 13 months?
Can I add a lump sum cover payable to me if I got a specified major illness?
Are they New Zealand owned?
What's their Financial Strength Rating?
AA- (Very Strong)
S&P
AA- (Very Strong)
S&P
A+ (Stable)
S&P
A- (Excellent)
AM Best
A+ (Strong)
S&P
B++ (good)
AM Best
A+ (Superior)
AM Best
Can I lock in my premium price for more than a year? (additional premium applies for this)
Additional fee for paying my premium by credit card?

Not available
Would my NZ policy cover continue if I move to Australia ?
The S& P rating scale is: AAA (Extremely Strong) BBB (Good) CCC (Very Weak) AA (Very Strong) BB (Marginal) CC (Extremely Weak) A (Strong) B (Weak) R (Regulatory Action) Plus (+) or minus (-) signs following ratings from “AA” to “CCC” show relative standing within the major rating categories. Standard & Poor's is an approved rating agency under the Insurance (Prudential Supervision) Act 2010.

The AM Best rating scale is: A++, A+ (Superior) B,B- (Fair) A, A- (Excellent) C++, C+ (Marginal) B++, B+ (Good) C, C- (Weak) D (Poor) ​E (Under Regulatory Supervision) ​ F (In Liquidation) ​ S (Suspended)

Download Policy Information:

Sovereign OnePath Fidelity Asteron Life AMP AIA

We’ve made every effort to ensure all information shown here is accurate & up to date, but stress you should always refer to the respective insurers’ policy document for the most complete information on each benefit. We can email you the latest policy document or just call us on 0800 89 INSURE ME