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.
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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.
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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.
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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.
The value of advice
- Where would your money come from if you couldn't work due to sickness or injury?
- How much money would your family need to live on if you were no longer there to support them?
- If you were diagnosed with cancer or had a heart attack, how much money would you need to help you through treatment and recovery?
To help you find the answers, an insurance Adviser can offer personalised, free advice and get the best cover for you.
Learn moreWhat 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