Frequently Asked Questions

Insure Me offers a wide range of Life and Health Insurance options from
major NZ insurers direct to you at great rates.

We’re an online broker, so we represent all the big companies, not just one. If ABC Corp has a better package for you than XYZ Ltd, we’ll tell you. It’s all about you, not them.
We do the comparison work, so you don’t have to. We help you with every aspect, from the application process, right through to making a claim. We’re your online insurance concierge, and our work for you is at no cost, all you pay is your premium for the insurance once it’s active.
Our insurers pay us to introduce your business to them. The majority of them don’t deal directly with the public, they pay us to help you. Is Insure Me licensed? Yes, we are, and we’re compliant with the Financial Advisers Act.
We have over a decade of stable ownership, and our team collectively has over 20 years’ experience in the insurance business. We’ve helped hundreds of Kiwis get covered and stay covered.
In some cases, yes, depending on their nature and severity, and what type of insurance you’re applying for. But what if Insure Me goes out of business, what happens to my cover? You’re insured by the insurer we’ve introduce you to. Your policy is in an agreement between you and that insurer, rather than with Insure Me.
In some cases yes, but the majority of healthy applicants don’t need a medical examination in order to be approved for cover.
Yes, your premium increases each year in line with your age and, if you’ve selected this option, in line with inflation. Most insurers also allow you the option to pay a slightly higher premium from the start, which stays the same for either five years, ten years or even until age 65 and beyond. Please contact us for more information on these options, as they may save you money longer term.
People who smoke, even just a few times a week or even a month, or if you quit less than a year ago, will have to pay a higher life or health insurance premium. If you successfully quit smoking for at least 12 months you are able to apply to have your premium reduced; simply contact us to get it changed.

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Insure Me offers a wide range of Life and Health Insurance
options from major NZ insurers direct to you at great rates.