Switch to us

No. You can have as many policies as you like with as many companies as you like. If you have life insurance elsewhere, you may wish to look at switching it to Pinnacle Life and saving 20% on your premiums.

If you receive income from other sources eg ACC or another government agency, this will be offset against your income protection payments. If you have an income protection product elsewhere already, we also suggest you talk to us before taking out another policy, as you may not be able to claim on both policies.

It really depends on your answers. For many people we’ll assess your information online and you have your life insurance cover in less than 10 minutes. If you aren’t accepted online we’ll be in touch on the next working day and will let you know the next steps.

If we need further information from you it could take a day or two, while if we need information from your GP, it will depend on how quickly your GP responds to our request. Some doctors respond within a week, others can take two or three weeks or sometimes longer.

We assess your health at the time of your application in order to ensure that the price you are charged reflects the risks associated with your health. This means there should be no hiccups or delays when it comes to claim time. Having a health issue shouldn’t stop you from applying. Your health conditions might affect your application, as depending on the condition, we may be able to accept your application at standard rates, or alternatively we may ask you to pay a higher premium than the standard (called a loading), or we may defer your application for up to 12 months. If, after you’ve answered our questions, we need more details about your health we may ask for your permission to get notes from your doctor.

Pinnacle Life is a licenced life insurer, our policies are not underwritten by any other company. Our policies are reinsured with Hannover Life Re of Australasia as part of our prudent financial management. Further information on Hannover is available here