Protect the ones you love with life insurance
Southern Cross Life Insurance protects those most important to you, so you can have peace of mind that if the unimaginable were to happen, they’d be taken care of. Here’s why it’s better to choose Southern Cross Life Insurance:
Southern Cross Life & Living Insurance features
Southern Cross Life & Living Insurance can provide you with the following cover (subject to policy terms and conditions):
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Life Cover Benefit up to $1.5 million Payment of the full Life Cover amount if you pass away.
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Bereavement Support Benefit An early payment on death of up to $25,000 of the Life Cover amount to help cover immediate costs, such as funeral expenses.
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Terminal Illness Benefit An early payment of the full Life Cover amount if you’re diagnosed with an illness or injury with a life expectancy of less than 12 months.
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Financial and Legal Advice Benefit Reimbursement of up to $2,500 towards costs for financial planning or legal advice about using money received from a claim
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Life Events Benefit Ability to increase your Life Cover amount when you experience certain life events, such as having a baby, without the need for a health assessment.
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Policy Enhancement Benefit If we make enhancements to the Southern Cross Life & Living Insurance product, these enhancements may be automatically applied to your policy.
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30 days to decide If you decide that this insurance isn’t right for you within 30 days of your policy starting, we’ll cancel your policy and refund any premiums paid.
Already have a policy with Southern Cross Life Insurance?
For full details of your policy terms and conditions, the policy wording may be downloaded here.
Contact us on 0800 000 200 if you would like to talk to us about your policy.
Discounts
10% Southern Cross Health Society member discount
Let the Southern Cross Life Insurance team know that you're a Southern Cross Health Society member, and you’ll be eligible for a 10% discount on your Southern Cross Life & Living Insurance premiums (excluding the policy fee).
Member Discount T&Cs apply & are subject to change.
If you’ve applied for Southern Cross Life Insurance before 20 November 2025, different Member Discount T&Cs apply.
10% Lifetime Reward
If at the time of applying for your Life Cover, you meet the non-smoker and BMI criteria – you’ll be eligible for a 10% discount on your Southern Cross Life & Living Insurance premiums (excluding the policy fee).
Lifetime Reward T&Cs apply & are subject to change.
Client Benefits
Alongside the Southern Cross Life & Living Insurance product you’ll be able to apply for Client Benefits, offering up to $1,000 (including GST) during a policy year towards the following services, at no extra charge to you. The maximum rate for a single session is $300, and up to $1,000 towards legal services to prepare or update a will. Client Benefits T&Cs apply and are subject to change.
Client Benefits are available to the policy owners, life assured and dependant children on Southern Cross Life & Living Insurance policies taken up from 20 November 2025 onwards.
Proud to be NZ’s most trusted life insurance brand, providing top quality service.
*Readers Digest Trusted Brand Awards 2023-2025 – Life Insurance category winner **Readers Digest Quality Service Awards 2024 – 2025 – Gold winner Life Insurance category