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Why do I need life insurance?

If something happened to you, would those you care about still be able to enjoy the good things in life? Life insurance gives you peace of mind, knowing that things are taken care of. AMI makes it easy to choose with two options, depending on where you're at in life.

Use our life insurance calculator to work out the right level of cover for you and your family.

TotalCareMax

TotalCareMax

If you own a house or have a family, TotalCareMax is a more customised option so that your cover is tailored to your life.

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Simple Life

Simple Life

If you're young and in good health, you could be covered in minutes with only a few questions to answer.

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Which option is best for you?


Other life cover options

Here are some other options you might like to think about.

Accidental injury cover icon

Accidental injury cover

(Injury Cover)

Helps you get by if you're seriously injured.

Find out more
Accidental death cover icon

Accidental death cover

(Accident Cover)

Pays your family a lump sum if you die in an accident.

Find out more
Funeral cover icon

Funeral cover

(ValuePlus Funeral)

Takes care of your funeral expenses at a difficult time.

Find out more

Would you like to talk to someone? Just give us a call on 0800 100 207

Frequently asked questions

  • What is life cover?

    Life insurance helps to protect the lifestyle and future of your family and loved ones if you die. The policy pays a lump sum if you die or are diagnosed with a terminal illness (with less than 12 months to live).

  • Who can get life cover?

    Almost everyone will qualify for life insurance. In the unlikely event that your personal circumstances limit you from a full life insurance, there are less comprehensive ‘guaranteed acceptance' life products available, such as accidental death and funeral cover.

  • How much cover can I get?

    Everyone is different and has different needs. You need to consider how you can adequately meet your debts, to ensure that those you leave behind aren't burdened financially. While we are not able to provide advice on this website, you can use our ‘life insurance needs calculator' to help with your decision. If you buy life insurance online, there is a maximum limit of $1 million cover. Should you require a quote for more than this amount, please call 0800 782 835 so we can ensure you receive the right level of cover.

  • Should my spouse or partner also get life cover?

    If you share responsibility for any financial liabilities such as children or a mortgage or if you would not manage financially if they were to die, then the answer is probably yes.

  • What happens if I change my mind?

    Once you have submitted your online application you'll have 15 days to make up your mind from the date you receive your policy documents. If during this time you decide that the policy is not right for you, simply return it to us and we'll cancel it and refund any premiums that may have been paid. After the first 15 days, you may cancel your policy at any time by sending us a written request.


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