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Life & income insurance.
Life has its twists and turns and doesn’t always go as planned. Life and income insurance cover could make it easier to manage the hard times.
Insuring your biggest asset: You.
New to life insurance? Discover how life insurance works, and how to protect your income and lifestyle if you can no longer work.
Read our guide to life and income insuranceHow we can help.
Why Westpac?
Insurance to fit your life
You can tailor our insurance products to suit your needs and budget.
30-day free look when you buy
All our policies come with a 30-day free look period – if you decide it’s not for you, just let us know and we’ll refund any premiums you’ve paid.
We pay claims fast
Call us with your details and we’ll guide you through the process, making sure that your claim is handled quickly and easily.
Who is Fidelity Life?
Westpac life insurance products are underwritten by Fidelity Life.
Fidelity Life was founded in New Zealand in 1973. They have grown to a team of over 400, protecting the lives of over 375,000 New Zealanders.
Paying out over $1.4B in claims since day one, Fidelity Life has supported New Zealanders when life hasn’t quite gone to plan.
With the support of local shareholders, NZ Super Fund and Ngāi Tahu Holdings, Fidelity Life’s decisions are made for New Zealanders, by New Zealanders.
Fidelity Life’s Financial Strength Rating
All licensed insurers must have a Financial Strength Rating that is given by an approved rating agency. It is important to read the Financial Strength Rating.
View Fidelity Life’s financial strength rating and AM Best’s rating scale.
Get in touch.
Request a call back
Fill in our form - we'll get back to you at a time that suits you.
Make a claim.
Things you should know.
Westpac life insurance products are arranged by Westpac New Zealand Limited ("Westpac") and underwritten by Fidelity Life Assurance Company Limited ("Fidelity Life"). None of Westpac Banking Corporation ABN 33 007 457 141 (incorporated in Australia), Westpac, or any member of the Westpac group of companies guarantee the obligations of, or any products issued by, Fidelity Life or any member of the Fidelity Group of companies. Westpac will receive commission payments as a result of the arrangement of Fidelity Life policies. See Fidelity Life's Solvency. See Fidelity Life's Financial Strength Rating.
Terms, conditions, exclusions and limits apply and more detail can be found in the relevant policy document which may be downloaded at westpac.co.nz/life or obtained from any Westpac branch free of charge. The availability of any insurance cover is subject to the acceptance and approval of a complete application. Any payment is subject to your claim being accepted.
Westpac accepts no responsibility for the availability or content of any third party websites and makes no representation as to the accuracy or currency of the materials.
Westpac life insurance is powered by Fidelity Life
On 28 February 2022, Westpac Group completed the sale of its New Zealand life insurance business Westpac Life-NZ- Limited (Westpac Life) to New Zealand insurance company Fidelity Life Assurance Company Limited (Fidelity Life). Westpac Life was renamed Fidelity Insurance Limited (Fidelity Insurance).
In March 2023, the Reserve Bank of New Zealand approved a business transfer to combine Fidelity Insurance with Fidelity Life. From 30 June 2023, Westpac life insurance products are underwritten by Fidelity Life. All policies continue under the same terms and conditions and the claims process remains unchanged.