LifeOne Life Insurance

LifeOne Insurance Cigna Jewel


  • 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.

Affordable insurance Cigna


  • 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 30 November 2019

Quality Service Cigna


  • 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.

What you need to know

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

Life Insurance Calculator


  • 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:

Policy Wording

Cover estimator


You’ve probably heard about life insurance before but you may not completely understand what it is or how it works. Putting it plainly, life insurance is a financial safety net that is intended to catch those who depend on you if you were to pass away. It’s security that ensures that your loved ones do not get caught short, unable to maintain their current lifestyle, if you were no longer there to support them.

There are a few things you should know about life insurance before you decide to go ahead and purchase a policy of your own. You need to consider how much your family are likely to need if you were no longer there to support them financially. You might also need to determine if you would like an extra cover features included in your policy.

The Life Insurance Policy

A Life Insurance policy is a contract between two signatories; the policy provider (the Insurance Company) and the policy owner (generally the person insured). A Life Insurance policy is an agreement that, in the event of the insured person's death, the Insurance company will pay the sum insured.

Everyone’s Life Insurance policy is different, depending on where you your age, your medical history and personal lifestyle. You should plan for you policy to best protect those you love from financial hardship in the event of a tragedy.

Life Insurance Claims

A claim is the term used for when a beneficiary of a Life Insurance policy requests payment of that policy. Generally, a claim is made on a life insurance policy, when the insured person passes away. However, in some cases it is possible to make an advance claim if the insured person is diagnosed with a terminal illness.

When it comes to claiming on a Life Insurance Policy we at Cigna do our best to ensure that the process runs as smoothly and efficiently as possible. We understand that making a claim on a Life Insurance policy, whether it be in the case of death, terminal illness diagnoses or critical illness, can be a very difficult time. Our staff are trained to offer compassion and support whilst also doing their best to get your claim assessed and paid out, as soon as possible, but we will need the family/estate claiming to provide the required documentation in order to assess the claim.

Is Life Insurance For Me?

No matter what stage you’re at in life, Life Insurance is always something to consider as a means of protecting yourself and those you love, in the event of tragedy.

Are you married? Then it might be a good idea to investigate the benefits of purchasing a Life Insurance policy.

As married couple you may begin to rely on each other both emotionally and financially. You might begin to share finances and budgeting. That’s why it pays to have a good life insurance policy in place to protect the two of you in the event of unexpected death.


A life insurance policy can help protect your family against the financial stresses associated with the sudden death of a loved one. It can help give you peace of mind by knowing that whatever happens your family will be financially secure.

Becoming a parent is one of the most life changing things a person may ever do.

But what would happen if the breadwinner in the family were to suddenly pass away? How would the family manage to cover mortgage payments and the cost of living without your wage to support them?


Buying a home, especially your first home, is a very exciting time. It’s a huge milestone and an important investment in your future. It’s also a great time to make sure you have the all the Insurance you need. As a new homeowner, investing in a life insurance policy is a great way to future proof your new investment.

Or course, there’s the obvious insurance - like house and contents - but what about life insurance? Now that you’ve both committed to paying a mortgage together, you may want to put a plan in place to ensure that whatever happens, your home will be protected.

Would you or your partner be able to pay the full mortgage if you were reduced to one income? If the worst were to occur and either you or your partner were to pass away suddenly, would there be enough money to cover the cost of living, rates payments and the mortgage payments? .


If you have any assets or any family members, writing a Will is one of the most important things you can do to ensure that the division of your estate runs smoothly after your death.

Sadly, you won’t be around to keep the peace, so by laying out whom should get what in your last Will and Testament, you could effectively be preventing a lot of heartache and drama further down the line.

Your Will is basically an opportunity for you to note how your estate should be divided between your next of kin. That could mean your parents, children, siblings or spouse.


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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.

Find out more

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