Types of cover

Term life

  • Two types of cover: Stepped cover (premium adjusts with age) & Level cover (premium stays the same)
  • Cover for terminal illness
  • The option of crisis cover
  • A 30 day free look period

Prime Life

  • Guaranteed acceptance for customers aged 55-85
  • Cover levels available from $5,000 to $15,000
  • 15% discount for joint policies
  • Premiums fixed regardless of any future health problems
  • Funds are usually available just 48 hours after the claim is accepted
  • Immediate cover for accidental death and full cover after 24 months
  • A 30 day free look period





  • Don't forget to read this bit

    1. Cigna Life Insurance NZ Limited underwrites all contracts of Term Life and Prime Life. The contracts of insurance are between you and Cigna. TSB Bank Ltd receives a commission from the sale of insurance policies sold on behalf of Cigna. TSB Bank Limited does not guarantee these insurance products marketed on behalf of Cigna and is not liable if the insurer declines to pay a claim. Any claims issues are between the insured persons and Cigna. A full copy of the Terms and Conditions are included in the Policy Wordings, available on request. View Cigna’s Credit Rating.