Life Insurance Cover For Your Family
Protect your home and your family’s financial future if the unexpected happens.
How Life Insurance Protects You
Life insurance gives your loved ones the financial support they need if you pass away or are diagnosed with a terminal illness. The payout can help cover everyday expenses, clear debts, or even pay off the mortgage so your family can focus on what truly matters.
Pay off your mortgage and debts
Replace lost income
Cover daily living expenses
Support your children’s future
Reduce financial stress for your family
What Does Life Insurance Cover?
Flexibility to use the payout however your family needs.
Life insurance is designed to give your family financial stability when they need it most. The payout can be used in whatever way suits them best, whether that is managing ongoing expenses, clearing debts, or planning for the future.
It can also provide early support in the case of a terminal illness diagnosis with less than 12 months to live, giving you access to funds when it matters most.
Get The Right Cover In Four Steps
Understand Your Needs
Tell us about your lifestyle, income, and financial goals.
Compare
Your Options
We research suitable cover from trusted New Zealand insurers.
Choose
Your Cover
Select the level of protection that fits your situation.
Get
Protected
Enjoy peace of mind knowing your family is secure.
Cover Options We Can Help You With
Every person's situation is different. We work with trusted New Zealand insurers to find cover that fits your life, your income, and your goals.
A lump sum payment is made to your family if you pass away or receive a terminal illness diagnosis with less than 12 months to live. It can ease the financial burden on those you leave behind by repaying debts, covering final expenses, or simply providing for their future.
If you are diagnosed with a specified serious condition, such as cancer, a heart attack, or a stroke, and meet the criteria in your policy, you receive a lump sum payment. You can use it for additional medical treatment, to take time off to recover, to repay debt, or to cover the cost of ongoing care.
If you become totally and permanently disabled and are unable to work again in your own occupation, this cover provides a lump sum payment. It can help you repay debts, fund modifications to your home, or provide financial stability for you and those who depend on you.
If an illness stops you from working for an extended period, Income Cover provides a monthly benefit of up to 75% of your gross income. You can choose the waiting period before payments begin and how long the benefit is paid, depending on what suits your situation.
How To Make a Claim
Making a claim can feel overwhelming at an already difficult time. Core Path Protection will guide you through every step so you are not dealing with it alone.
Get in touch with us
Contact Core Path Protection as soon as you are ready to make a claim. We will talk you through the process and let you know what to expect.
Gather your documents
We will help you identify what documentation is required, which may include medical reports, proof of income, or other supporting information, depending on the type of claim.
We lodge the claim on your behalf
Core Path Protection liaises directly with the insurer to submit your claim and follow up on your behalf, so you do not have to manage it on your own.
Receive your
payout
Once the insurer has assessed and approved your claim, the payout is made. We will keep you informed throughout the process and be available if any questions come up.
It is important to disclose your full health history when applying for cover. Failure to do so can result in a claim being declined, even if the condition seems unrelated. Our advisers will guide you through this carefully at the application stage.
Why Choose CorePath Financial?
Experienced advisors, you can trust
Access to multiple insurers for better options
Personalised recommendations based on your needs
Ongoing support, including claims assistance
Regular reviews to keep your cover relevant
Frequently Asked Questions
It depends on your personal situation. A good starting point is to consider your family circumstances, outstanding debts such as your mortgage, and your ongoing financial responsibilities. Someone with dependents, a large mortgage, or a single-income household will generally need more cover than someone without those commitments. Our advisers will help you work through this properly.
Generally, no. Life insurance payouts in New Zealand are tax-free, meaning your family receives the full sum assured. We recommend speaking to a tax professional if you have specific concerns about your situation.
In many cases, yes. Cover may still be available depending on the condition, though some exclusions or premium loadings may apply. It is important to disclose your full health history when applying. Our advisers will help you navigate this and find the most suitable options available to you
Yes. Many New Zealanders hold a combination of covers, for example, Life Cover alongside Trauma Cover and Income Cover, to build a more complete safety net. Our advisers will help you understand which combination makes sense for your situation.
If your claim is declined, Capital Protection will work with you to understand the reason and explore your options. This may include requesting a review from the insurer or escalating through the appropriate channels. You are not alone in the process.
Our Partners
Protect Your Family's Future Today
Get expert advice and find the right life insurance cover. No pressure, just clear guidance from the team at Core Path Protection.