What do you need protection for? We can help you take charge of your life insurance, health insurance and more.
Life insurance
Life may not always go to plan. Let us help you take charge of what matters most.
Rest easy knowing your loved ones are protected if the unexpected were to happen. As New Zealand's largest life insurer, you're in good hands.
Get quoteLearn more
Home loans
Secure your home for the future. No matter what life throws at you.
Secure your piece of the property pie with a Go Home Loan. Flexible and cost-effective loans that help you save on interest and fees.
Learn moreHealth insurance
You're one of a kind, and so is our health cover.
Our flexible health cover gives you access to treatment quickly with the best people looking after you. We also reward your everyday healthy choices.
Get quoteLearn more
Income protection insurance
Safeguard your ability to earn if you're ever unable to work.
Regular payments if you can't work because of illness or injury to help cover expenses, giving you one less thing to worry about.
Learn moreQuick 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.
- 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 moreThe 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.
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." Customers since 2005
"I have been overwhelmed by the efficiency and empathy of Sovereign. You certainly made a difficult time easier."Customer 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."Customer since 2013