Financial strength rating

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

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

LifeOne Insurance

You know you want to protect your family no matter what. We know how to help you do it.  You already protect your family now, but what if you weren’t there anymore?  Cigna LifeOne is life insurance that's designed to fit your life, change when your life does and ensures that your family are taken care of after you’re gone. It’s also easy to apply for online

The benefits of Cigna LifeOne Insurance

You could win a $1,000 travel voucher
Apply for LifeOne today and you will go into a draw to win a $1,000 travel voucher*.  That means you can stop worrying about protecting your family, and enjoy something extra with them too!  
Money when it's needed most
If you die your family will get a lump sum payment that can be used however they want. And because personal life insurance payments are tax free, you know exactly what they'll get.
Healthy living discount of 10%
If you're in good health and don't smoke we'll give you a permanent 10% off your premiums.  Plus if you buy today you'll get a further 10% off your first year's premiums**.   
Critical Illness cover
If you're in good health you may be eligible for Critical Illness cover. You can choose up to 50% of your LifeOne cover as an advanced payout if you suffer from a range of illnesses such as cancer, heart attacks or stroke or have an accident. This could make your recovery a little bit less stressful and support your family while you get better. We'll let you know if you're eligible once you finish our quick application -then you can choose what cover is right for you.
Special Event increases
We know that your life changes so we want to make sure you're covered whatever you do. You can increase your cover by up to 25% if your life changes - such as a marriage, birth/adoption or mortgage - quickly and easily without answering any extra health and lifestyle questions.
Early payout for terminal illness
If you're diagnosed with a terminal illness you'll receive an early payout to use however you and your family need. You might use this money for treatments, care, or to take care of your family during a difficult time.
Cover to suit your needs
With LifeOne the amount of cover is up to you. So if you have assets or money tucked away, you might opt for lower cover. But if you have significant debt such as a mortgage, you can choose a higher level of cover so your family won't be burdened financially.
So how much cover do you need?
We've put together a simple calculator to work out how much LifeOne cover you may need to take care of your loved ones' financial future.
You're covered for accidental death as soon as you apply
So you don't have to take any chances, we'll cover you for accidental death as soon as you apply and once you're approved your full LifeOne cover will be in place.
Yearly updates
To make sure your cover keeps up with inflation we'll let you know every year what your new cover level and your premium, will be - it's your choice to take the extra cover.
Choose when to pay your premiums
Get paid fortnightly or prefer to pay your premiums once a year? It's up to you how and when you pay your premiums, making it easier to fit LifeOne in your budget.
Trust us
We're New Zealand's life insurance experts - and we've been protecting Kiwi families for over 90 years.
30 day free look period
If you take out a LifeOne policy and you decide it's not for you, let us know within 30 days and we'll refund any premiums that you've already paid, no questions asked.  So, if you'd rather be living life than organising life insurance, apply now.
Here's the small print but big and easy to read and understand:
  • Death by suicide or intentional self-injury is not covered within 13 months of when your policy starts. In some cases we can't cover you for existing medical conditions but we'll take you through this in your application.
  • You'll find a full list of exclusions and everything else about our LifeOne policy in the policy wording.
  • If you applied for life insurance before 25 February 2014, your cover is slightly different - your policy wording is here.  
* Offer ends 31st August 2014.  Please refer to our Terms & Conditions  for more information about this promotion
** Offer ends on July 31st 2014, partially completed applications which are finalised after this date do not qualify for the discount. Offer applies to new LifeOne customers only.