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 for things like mortgage payments, outstanding debts or even a gift for loved ones.


Applying is a breeze - a policy can be set up in a matter of minutes, all you need is your phone. There are no medicals, blood tests or complicated forms. Simply answer a few health and lifestyle questions.


It’s for New Zealand residents aged 40-80 so if you're looking for the best life insurance for your needs, this could be for you. With a Golden Life Insurance policy in place, you can have peace of mind knowing that you are helping to make a brighter future for your family.

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Peace of mind made simple

With Golden Life Insurance, you can choose up to $250,000 of life insurance benefit1 to be 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. You could get immediate cover from day one for death and terminal illness2, so you can get on and enjoy life.


Golden Life Insurance also provides a 100% early pay out of your life insurance benefit amount if you are diagnosed with a Terminal Illness.3 This can help with covering medical expenses or spending time with loved ones. We take pride in our easy application and straightforward claims process. Our dedicated claims specialists are always ready to help your loved ones when the time comes.

  • No medical exams or blood tests: New Zealand residents 40-80 can apply in minutes, simply answer a few health and lifestyle questions, and you're all set
  • Straightforward claims: Our claims process is designed to be simple, and our dedicated claims specialists are on hand to help your loved ones
  • Lower premiums for non-smokers: If you’re a non-smoker, you’ll enjoy lower premiums with your Golden Life Insurance policy4
  • Pay fortnightly or monthly: Pay when it best suits you, choose what you'd prefer at no extra cost
  • Golden Insurance is part of a global network: Our group's brands have been chosen by over 500,000 customers globally and are rated 'Excellent' by thousands of customers on Trustpilot5

Why choose Golden Life Insurance?

We designed Golden life insurance for Kiwis specifically aged 40 and older, because your loved ones never stop needing your help.

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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.1

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Immediate Cover

You could be covered from day one for death and terminal illness2, 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.3

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

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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

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.

5

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/

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