LifeOne Insurance

Why choose Cigna LifeOne Life Insurance

Tailored to your stage in life

  • Use our easy calculator to work out the amount of cover you’ll need to look after your family.
  • It’s easy to increase your insurance cover by up to 25% for special events like marriage, a new baby or mortgage - no further health questions required.
  • Your cover level and premium is adjusted, taking into account inflation each year - you decide if you need the extra cover.

Simple, affordable policies

  • 10% off your first year’s premiums*.
  • Further healthy living discount of 10% off your initial and ongoing premiums.
  • 30 day money back guarantee if you change your mind.

    * Discount available until 31 January 2017

Quality Service From Our New Zealand Team

  • We’ll work with you from setting up a policy that suits you, through to timing your payments to suit your budget.
  • We know that claims time is emotional for our customers, and our team goes out of their way to make the claims process as simple and stress-free as possible.

FIND OUT HOW YOU COULD WIN $1,000 *terms and conditions apply


What you need to know

LifeOne Life Insurance pays out if you pass away, or if you are critically ill. Get an estimate online >


  • Advanced funeral payout - Receive a portion of your cover early while we process your claim.
  • Early pay out for terminal illness to use for treatments or taking care of your family (up to $500,000).
  • Optional Critical Illness cover provides an early pay out for critical illness so you can recover and support your family while you get better.


  • In some cases, we can't cover existing medical conditions, but we'll take you through this in your application.
  • Death from war, terrorism or riot.
  • Death by suicide or intentional self-injury, within 13 months of getting covered.

Full policy

We're upfront about conditions and exclusions. See the full details below:

We aim to pay claims as quickly as possible


Making a claim is simple.

We'll assist you with the paperwork if you need help.


We'll have a look at your claim form.

We'll get back to you if anything else is needed.


Receive payment in your bank account.

If your claim is covered by your policy, we'll pay you. No loopholes.

Why Cigna?

We’ve had Kiwis’ backs for close to a century, and protect more than 295,000 customers with simple, affordable insurance products and services.

claims process and fast payouts
for healthy living, and flexible policies that suit your life.



Cigna is proud to bring you the Travel Zone each Saturday at 7.30pm on TV1. Make sure you watch the show to see how you could win.
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Health and Wellbeing tips with Rachel

Need inspiration on how to live well and stay well? Rachel Grunwell, Cigna’s Wellbeing Ambassador can show you how.
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Rating Star

Cigna Life Insurance NZ Limited ("Cigna") has an A- (Excellent) financial strength rating which was given by A.M Best Company Inc.

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Rating Scale

Secure Vulnerable
A++ A+ Superior B B- Fair
A A- Excellent C++ C+ Marginal
B++ B+ Good C C- Weak
    D Poor
    E Under regulatory Supervision
    F In Liquidation
    S Suspended