Mortgage Safe Insurance

Why choose Cigna Mortgage Safe Insurance

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Keep your family home

  • Monthly payments to cover your mortgage or bills and keep a roof over your family's head should you be unable to work or made redundant.
  • 41% of employed Kiwis would only be able to pay their current household expenses for one month if their income stopped. Protect your family with Mortgage Safe Insurance.

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  • Simple and easy to apply. No complicated forms.
  • You can claim more than once for unrelated illnesses or injury.

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Tailored to your stage in life

  • Select a wait period and benefit term that suits your situation.
  • Available to New Zealand residents aged between 18 & 60.
  • Worldwide cover should your illness or injury occur overseas.

What you need to know

Cigna’s Mortgage Safe Insurance is designed to provide you with monthly payments up to $3,500 should you fall ill or $1,750 if you are made redundant. Make sure you’re covered and can pay the mortgage on your family home during a difficult time. Don’t become another statistic, protect your mortgage payments today. If you are unable to work or made redundant, we want you to be able to focus on getting better or finding your next role. Having Mortgage Safe Insurance will take the stress of meeting mortgage repayments away.


  • Receive up to $3,500 per month for illness and $1,750 per month for redundancy to use however you need.
  • Covers illness, injury and redundancy.
  • You can claim more than once for unrelated illnesses or injury.
  • Tailor the policy to suit you – with a range of wait periods and benefit terms to pick from.

Need to know

  • You'll have 30 days to review your policy. If it doesn't meet your needs you can return it for a full refund of any premiums paid.
  • Claims that arise from a pre-existing condition you had in the two years before your income protection cover start date are excluded.
  • You are not charged premiums while receiving the benefit amount.
  • If your occupation is in our special risk category, your cover can not exceed $3,000 per month. 


Full policy

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

Policy Wording

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 350,000 customers with simple, affordable insurance products and services.

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


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