Cover up to $300,000
Financial protection for your loved ones.
Life cover when others say no.
Life cover
when others
say no.
You may still qualify for life cover.
NeedIt Life is designed for people with pre-existing conditions, previous declines, or a complicated medical history. No judgement. Real cover. Peace of mind for your family.
Rated 4.8 out of 5
Trustpilot
Pre-existing conditions covered after 2 years
We cover many conditions after a short waiting period.
Simple application
Quick, straightforward and 100% online.
Affordable premiums
Competitive rates that fit your budget.
NZ based support
Local team, here when you need us.
How it works
Check your options
Answer a few simple questions to see what cover you may qualify for.
Review the details
We'll show you your options clearly with no impact to your credit.
Apply for cover
If you're happy, you're covered. Peace of mind for you and your family.
It's quick, simple and designed to give you clarity
Take the next step
See whether NeedIt Life could suit you
Share a few details and the team can talk you through the product, its limitations and what happens next.