What do you need protection for? We can help you take charge of your life insurance, health insurance and more.

Quick Quote

Your quote

You would pay $ per month

Drag the slider to change your excess.

Drag the slider if you'd like more or less cover.

For $ cover

Unsure how much cover you need?
Work it out with our easy calculator

Disclaimer: The quick estimate tool provides an estimate only. Estimates are based on health cover issued at Sovereign's standard premium rates for your age, sex and smoker status without taking into account your personal circumstances. Your personal circumstances can affect Sovereign's ability to provide cover, and the rates at which that cover may be offered.

Disclaimer: The quick estimate tool provides an estimate only. Estimates are based on life cover issued at Sovereign's standard premium rates for your age, sex and smoker status without taking into account your personal circumstances. Your personal circumstances can affect Sovereign's ability to provide cover, and the rates at which that cover may be offered.

Why choose Sovereign?

  • We're #1 for life insurance More New Zealanders trust us with their life insurance than any other insurer - over 540,000 in fact. Now that's saying something.
  • We pay out when you need us94% of claims made between July 2015 and June 2016 were paid out. In the five years to June 2016 we've paid $1.6b in claims.
  • Get perks for staying healthy With Healthy by Sovereign, you'll get up to $100 cash back each year, retail discounts, gym vouchers and special offers - all for making healthy choices.
  • Nationwide coverage, local expertiseA strong adviser network across New Zealand, offering free expert advice tailored especially to you.

My Sovereign

Access your Sovereign policy information securely 24/7, plus find the answers to FAQs and ask us questions directly.

Learn more

The value of Advice

  • Expertise to help find the best insurance for now and as your needs change.
  • Support if you ever need to make a claim.
  • No cost to you.
Learn more

What our customers have said

"Sovereign have always been fantastic for any claim I have made for my family and myself - always very speedy, efficient and great to work with. I can't recommend Sovereign highly enough." Philip & StephanieCustomers since 2005
"I have been overwhelmed by the efficiency and empathy of Sovereign. You certainly made a difficult time easier."JillianCustomer since 2002
"My policy was very good value for money. I never expected to become unwell and it was worth every cent to have peace of mind when that did happen."SharleneCustomer since 2013