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Make your golden years shine with a brand you can trust

At Golden Insurance, we take great pride in having been chosen by our customers to help protect their loved ones. That’s why our goal is to provide outstanding customer service to each and every one of our customers – but don’t just take our word for it.

Your review is important to us and whether you’re a new or existing customer of ours, we’d love to hear about your experience. We’re always looking for new ways to improve and your feedback can help us do just that. You can read our latest customer reviews to see what other Kiwis are saying about Golden Insurance.

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Why choose Golden Life Insurance?

  • 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
  • Immediate Cover - You could be covered from day one for death and terminal illness,2 so you can get on and enjoy life.
  • 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
  • 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 let us do the rest. In just minutes, using only your phone, you can arrange everything.
  • 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.
  • Lower Premiums for Non-Smokers - If you’re a non-smoker, you’ll enjoy lower premiums.4
  • Pay fortnightly or monthly - Pay when it best suits you, choose fortnightly or monthly at no extra cost.
  • Exclusive - Golden Life Insurance is exclusive to us, you can't buy it anywhere else.
  • Free Will Kit - Let them know your final wishes, on us. Receive a Free Will Kit when you take out a policy.

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New Zealand residents aged 40 to 80 can apply for Golden Life Insurance

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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.

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