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Look after the good things in life

At AMI, we don't just cover your things. We can help look after you, too. AMI TotalCareMax is our comprehensive life cover that can take care of you and your family if life suddenly takes an unexpected turn.

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

Why do I need TotalCareMax?

Why do I need TotalCareMax?

  • It's personalised to suit your job, health and income level, so you know exactly what is covered.
  • It provides cover for existing medical conditions.
  • You can enjoy a higher maximum level of cover.
Why do I need Simple Life?

Some things to think about:

  • Could your family cope with day-to-day living expenses if you weren't around any more?
  • If you were diagnosed with a serious illness, could you afford treatment and keep going financially?
  • What if you couldn't work because of serious illness, injury or redundancy? How would your family pay the mortgage?

It's easy, so start now

Answer three questions and choose your level of cover.

Review your quote and add any extra cover.

Tell us about your health and lifestyle.

Submit your application.

Choose the right cover for you

AMI TotalCareMax gives you a choice of three options to suit you and your family. (You'll need to fill out some health and lifestyle details when you apply).

Cover for your family

(TotalCareMax Life Cover)

If you die, your family will get a lump sum payment of up to $1 million to pay off the mortgage and other expenses.

Serious illness cover

Serious illness cover

(TotalCareMax Living Assurance)

If you or your children get one of our listed medical conditions, you'll get a payment of up to $500,000 to help you recover.

Mortgage, rent & income cover

Mortgage, rent & income cover

(TotalCareMax Mortgage and Income Protection)

If you can't work because of sickness or injury or are made redundant, you'll get a monthly payment to cover the mortgage. The level of cover varies depending on your circumstances.

How much does it cost?

To get a quote, just click the 'instant quote' button, answer three questions and choose your level of cover.

Get an instant quote

Some other cover to think about

We also have other kinds of cover you can buy easily online now.

Simple Life

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

Accidental injury cover icon

Injury cover

(Injury Insurance)

If you accidentally injure yourself, you’ll get a lump sum payment so you can get back on your feet.

Accident cover

(Accident Insurance)

If you pass away in an accident, your family will get a lump sum payment to help them with living costs.

Funeral cover

(Funeral Plus)

This cover pays your family a lump sum when you die to help with funeral costs.

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 100 207 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.