Part of a global network whose brands have been chosen by over 500,000 customers globally and are rated 'Excellent' by thousands of customers on Trustpilot.⁴

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What is Golden Life Insurance?

Golden Life Insurance is a life insurance policy that helps you provide financial support for your loved ones after you’re gone. It can be used for things like mortgage payments, outstanding debts or even a gift for loved ones.


Applying can be a breeze - New Zealand residents aged 40-80 can apply with no medical exams or blood tests required. There are no complicated forms to fill in; simply answer a few health and lifestyle questions, and you're all set. In just minutes, using only your phone, you can arrange everything.


With Golden Life Insurance in place, you can have peace of mind knowing that you are helping to secure a brighter future for your loved ones.

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Why choose Golden Life Insurance?

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Cash payout

Up to $250,000 life insurance benefit paid to your loved ones (depending on your age and personal circumstances when you apply), which could help you give your loved ones a brighter tomorrow.1

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Immediate cover

You could be covered from day one for death and terminal illness,2 so you can get on and enjoy life.

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Terminal Illness coverage

Get a 100% early pay out of your life insurance benefit amount if you are diagnosed with a Terminal Illness. This can help with covering medical expenses or spending time with loved ones.3

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Easy application

New Zealand residents aged 40-80 can apply with no medical exams or blood tests required! There are no complicated forms to fill in; simply answer a few health and lifestyle questions, and let us do the rest. In just minutes, using only your phone, you can arrange everything.

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Straightforward claims process

Our claims process is designed to be simple, and our dedicated claims specialists are on hand to help you and your loved ones.

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Lower premiums for non-smokers

If you're a non-smoker you'll enjoy lower premiums with your Golden Life Insurance policy.5

Protection you can trust from Golden Insurance

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Putting customers first

We take the trust that our customers place in us seriously. Our dedicated claims specialists ensure that our customers come first, by working hard to keep them and their loved ones at the heart of what we do.

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500,000 customers helped by our group

We couldn’t be prouder to be part of a group whose brands have a proven track record of providing high quality customer service and whose brands have been chosen by over 500,000 customers globally.4

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High quality service

We strive to provide the highest quality customer service. We’re part of a group whose brands have won multiple customer service awards and have ‘Excellent’ Trustpilot ratings.4 We encourage our customers to leave honest reviews to help other Kiwis find cover that suits them and to help us continue improving our service.

Benefits of choosing Golden Life Insurance

When you’re ready to secure your very own Golden Life Insurance policy our team of life insurance specialists will be there to help you. You can get covered in minutes – all you’ll need is your phone.

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Pay fortnightly or monthly

Pay when it best suits you, choose fortnightly or monthly at no extra cost.

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A group trusted by over 500,000 customers

Golden Insurance is part of a global network whose brands have been chosen by over 500,000 customers globally and are rated 'Excellent' by thousands of customers on Trustpilot.4

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Exclusive to us

Golden Life Insurance is exclusive to us, you can't buy it anywhere else.

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FREE Will Kit

Let them know your final wishes, on us. Receive a Free Will Kit when you take out a policy.

Some important things you should know

  • Golden Life Insurance is an insurance policy, not a savings or investment product, so if you cancel your policy after the 30-day cooling-off period, you do not receive your premiums back, nor will you be entitled to any benefit amount.
  • With Golden Life Insurance, your premiums will be recalculated based upon your age and your benefit amount each year. This means your premiums will generally increase as you get older. This yearly premium change will also reflect the 3% increase to your chosen benefit amount due to the Automatic Benefit Amount Increase feature, designed to help your cover keep up with rising living costs. You can decline this feature by informing us if you don’t want it.
  • The benefit amount will not be paid if you die or are diagnosed with a Terminal Illness3 as a result of an intentional self-inflicted injury or attempted suicide that occurred before the policy commencement date or within the first 13 months of the policy commencement date. Refer to the Policy Document for full details.
  • Your chosen benefit amount may not cover all your outstanding financial commitments and expenses upon your death, or the costs associated with a terminal illness. You will need to carefully consider your level of cover to ensure it suits your needs.
  • If you are looking to replace an existing insurance policy, you should not cancel any existing cover until your Golden Life Insurance application is accepted and you have reviewed your policies. There are general risks of replacing an existing insurance policy including the loss of any accrued benefits, the possibility of waiting periods starting again, implications of any errors or omissions in your new application and differences in price and product terms and conditions.
View full policy terms & conditions

Not sure how much cover you need?

When thinking about how much cover you need, one of the best places to start is to have a think about what you would like to provide for your family. Some of the most common things that a life insurance benefit could be used for are funeral costs, supporting loved ones with living expenses, or outstanding debts.


At Golden Insurance, we take pride in our easy application. Our specialist team members are ready to answer any questions you might have. You can secure a policy in a matter of minutes – all you need is your phone.

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How to get Golden Life Insurance

Ready to secure your own policy? You can get it in place in just three simple steps:
Step 1

Get a quick quote

There are no medicals or blood tests needed - just some health and lifestyle questions. Simply apply for your quote to get started!

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Step 2

Choose your cover

Explore your options, ask any questions you have and then choose a cover amount that suits your needs and lifestyle.

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Step 3

Enjoy your protection

If you're eligible and happy with your quote, you can confirm your cover and get it in place right away. It’s that simple.

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Choose a brighter tomorrow

Ready to help give your loved ones a brighter tomorrow? Call our friendly team today, we’re here to help.

or call us

Guides

Frequently asked questions

Here are the answers to some commonly asked questions about Golden Life Insurance.

Golden Life Insurance is an insurance policy that provides a cash lump sum to your loved ones when you pass away or are diagnosed with a terminal illness.2 It is designed to help take care of your loved ones by providing some financial support to help with ongoing costs you may leave behind such as the mortgage, other debts or any final expenses. If you’re a New Zealand resident aged 40 to 80, you are eligible to apply. Depending on your age and personal circumstances at the time of application, your loved ones could receive a cash lump sum of up to $250,000.1

If you’re a New Zealand resident aged 40 - 80, you can apply for Golden Life Insurance. Applying can be a breeze; there are no medicals, blood tests or complicated forms. We simply ask a few health and lifestyle questions to determine your eligibility. If you're eligible, you can get up to $250,000 of cover,1 depending on your age and personal circumstances at the time you apply for cover.

The cost of your Golden Life Insurance policy will depend on the following factors:

  • Your age
  • Your gender
  • Your health
  • Whether you smoke
  • The benefit amount you choose

Each of these factors will influence what you will pay to maintain your cover.

With a Golden Life Insurance policy, you choose a benefit amount with a premium that you can afford. There are no medical or blood tests needed to apply, we just ask a few health and lifestyle questions. If you continue to pay your premiums, you can keep your cover for life. So, you’re protected from the day you buy your policy until the end of your life.

For full details on how Golden Life Insurance works, please refer to the Policy Document.

You can get a quick quote in a matter of minutes, simply call our team of life insurance specialists on 1800 299 351. We’re available Monday to Friday from 10am - 6pm, excluding public holidays.

You can book an appointment time for us to call you or give us a call on 1800 299 351. We’re open Monday to Friday from 10am - 6pm, excluding public holidays. If you’re a New Zealand resident aged 40-80, you can apply for a Golden Life Insurance policy in a matter of minutes over the phone. One of our friendly life insurance specialists will help you through the process.

Already a customer?

Our friendly team is on hand to answer any questions or concerns you may have. If you want to get in touch, you can call us on 1800 118 048

Making a claim

We aim to make our claims process as easy as possible. Find out more about how it works.

Money worries

Are you worried about making an upcoming payment? Let us know, we’re here to help you.

Change your policy

Need to make a change to your policy? We’ve made it easy for you. Apply to make changes at any time.

Get a quote today

Ready to take a simple step towards peace of mind? Call our friendly team today, we’re here to help.

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Receive a free Will Kit when you take out a Golden Life Insurance policy.

1

From $10,000 up to $250,000 of cover available (depending on your age and personal circumstances when you apply). The benefit amount will not be paid if you die or are diagnosed with a Terminal Illness3 as a result of an intentional self-inflicted injury or attempted suicide that occurred before the policy commencement date or within the first 13 months of the policy commencement date. A waiting period may also apply during which the benefit amount will only be paid if you die due to an accident. Refer to the Policy Document for full details.

2

Depending on your health when you apply. The benefit amount will not be paid if you die or are diagnosed with a Terminal Illness3 as a result of an intentional self-inflicted injury or attempted suicide that occurred before the policy commencement date or within the first 13 months of the policy commencement date. Depending on your health, a waiting period may also apply during which the benefit amount will only be paid if you die due to an accident. Refer to the Policy Document for full details.

3

Terminal Illness is as defined in the Policy Document, and will not be paid during a waiting period should one apply. Upon payment of a Terminal Illness claim, the policy and cover will end.

4

Golden Insurance is a trading name of Neilson Financial Services Pty Ltd (Neilson) ABN 52 668 314 896, AFSL 552284. Neilson is part of the Neilson group of companies whose brands have been chosen to protect over 500,000 customers worldwide and have been rated ‘Excellent’ on Trustpilot, an online platform for consumers to review businesses. For more ratings information, see https://www.goldeninsurance.co.nz/awards-and-recognition/

5

Premiums for a non-smoker are lower than for a smoker of the same age and gender, with the same benefit amount and accepted at standard premium rates. Golden Life Insurance is an insurance policy and not a savings plan which means if your policy is cancelled, you will not get anything back (unless it is cancelled within the cooling off period). The total premiums you pay over the life of the policy could also be more than the benefits we pay out.

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