Why choose us?



New Zealand's largest life insurer

During our many years in business, Sovereign has worked alongside thousands of customers as they deal with difficult moments in their lives.

We currently protect more than 646,000 New Zealanders and their families.

Guaranteed enhancements

We regularly review our TotalCareMax products to ensure that they continue to meet your changing needs.

Our Guaranteed Enhancement Benefit ensures that you automatically benefit from all changes without having to re-apply for cover.


Financial stability for peace of mind

Sovereign has an A+ (Superior) financial strength rating from A.M.Best. The financial strength is an assessment of an insurer’s ability to meet obligations to policyholders.

A.M. Best is an approved insurance rating agency in terms of the Insurance (Prudential Supervision) Act 2010.

Copy of the ratings scale of which the rating forms part, is available here​.


Best possible treatments

With access to independent specialists, we can also help find the best possible treatments for you, which could include occupational therapy sessions, psychiatric consultations, and other medical assessments, even if they aren’t near where you live.


You’ll be supported by the largest claims team in
New Zealand

Paying your income protection claim is just one part of the story: We have proactive focus on rehabilitation, getting you back to health and living your life.

Our claims team is dedicated to understanding and delivering the support you need to get your life back on track.


We look for ways to say ‘yes’ to claims

Our large and experienced claims team works to get you paid as quickly as possible.



Fill out only one claim form

If you have more than one insurance policy with Sovereign and have an illness or are injured, you only need to fill out one claim form and we take care of the rest. This lets you focus on your recovery.


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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.​