Life insurance

Life doesn’t always go to plan. You may think ‘it will never happen to me’, but the reality is some of us will die unexpectedly, leaving family and loved ones behind.

When others depend on you

Have you made plans to ensure your family or business can survive without you? Could your family cope with paying the monthly bills or making mortgage repayments without your salary? Could your business continue without your input and expertise?

Food for thought...

  • On average there is one death in New Zealand every 16 minutes. (1)
  • Cancer was the leading cause of death for both males and females in New Zealand in 2009 with 8,437 people having cancer recorded as the underlying cause of death. (2)
  • In New Zealand, around 22 people die each week from bowel cancer. (3)
  • Stroke is the third largest killer in New Zealand (about 2,000 people every year).(4)

How it works

Sovereign Life Cover can pay a lump sum or a monthly income, depending on your needs, if you die prematurely. It’s essential for those with family, business or other financial commitments.

Our products have the flexibility to provide cover for a variety of needs, at an affordable cost, with features and benefits not available elsewhere. So why leave life to chance?

Life Cover − lump sum Life Cover − family protection Accidental Death
Life Cover provides a lump-sum payment and is designed to help your family or your business. Life Cover provides a monthly income and is designed to help your family maintain their lifestyle. This low-cost cover option pays a lump sum only if death is a result of an accident.


  1. Statistics New Zealand, Population Clock, June 2012,
  2. Ministry of Health. 2012 Cancer: New registration and deaths 2009
  3. New Zealand Cancer Charitable Trust, 2010
  4. The Stroke Foundation of New Zealand, 2012

Disclaimer: The availability of any insurance cover is subject to your application being approved. For full details, refer to the policy document which is available on request from Sovereign. Applications are subject to individual consideration. Special conditions, premiums, maximums and exclusions may apply.

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The information contained on this website is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision; you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.