What New Zealanders say about their life insurers, gathered from Trustpilot, Google, Feefo and the other review platforms we track. This page covers customer experience only: how people rate each insurer's sales process, service and claims handling.
Life insurers sold mainly through advisers, such as AIA, Partners Life and Asteron Life, attract very few public reviews, while insurers that sell direct by phone or online collect many more. A small number of reviews can move a score a long way, so check how many reviews sit behind each rating.
| Provider | Overall | Reviews counted | Positive | Negative | Platform scores |
|---|---|---|---|---|---|
| Golden Insurance | 4.9/5 | 2,700+ | 98% | 1% | Trustpilot 4.9, Google Reviews 4.9 |
| Cover Smart | 4.8/5 | 53 | 100% | 0% | Trustpilot 4.8 |
| Pinnacle Life | 4.4/5 | Limited public data | 85% | 6% | Feefo (Verified) 4.4 |
| Momentum Life | 4.0/5 | 620+ | 76% | 10% | Google Reviews 4.1, Feefo 4.2, Trustpilot 2.8 |
| NZ Seniors | 3.9/5 | 620+ | 74% | 12% | Feefo 4.3, Google Reviews 3.6 |
| OneChoice | 3.8/5 | 120+ | 68% | 14% | Google Reviews 3.8, Trustpilot 3.5 |
| AIA | 3.6/5 | Limited public data | 65% | 23% | Google Reviews 3.6 |
| nib | 3.2/5 | 7+ | 35% | 45% | Trustpilot 2.4 |
| Chubb | 2.7/5 | ~49 | - | - | Google Reviews 2.7 |
| Fidelity Life | Limited data | 6 | - | - | Trustpilot 3.2 |
| Partners Life | Limited data | 2 | - | - | Trustpilot 2.9 |
| Asteron Life | Limited data | Limited public data | - | - | Limited public data |
The themes that come up most often in each provider's reviews, with one example of praise and one of criticism where we found them.
The person on the phone was very clear and easy to talk to. Good customer service from start to finish.Paraphrased from Trustpilot, 2026
My first policy was cancelled because of my medical history, then I was offered less cover for the same premium, so I cancelled.Paraphrased from Trustpilot, 2026Read the full Golden Insurance review
Spoke clearly and didn't rush me, so I never felt pressured while I made up my mind.Paraphrased from Trustpilot, 2026Read the full Cover Smart review
Got a quote in under a minute and was covered the same day. Premiums are noticeably cheaper than what I was paying with my old provider.Paraphrased from Feefo, 2025
Income protection exclusions for mental health conditions were disappointing. Would have liked that clearly stated upfront.Paraphrased from Feefo, 2024Read the full Pinnacle Life review
Applied online in about ten minutes. No medical exam needed and the policy was confirmed the same day.Paraphrased from Google, 2025Read the full Momentum Life review
Signed up at 68 with no health questions. Monthly premiums fit within my pension budget nicely.Paraphrased from Feefo, 2025Read the full NZ Seniors review
Signed up for funeral cover online in about ten minutes. Straightforward process and clear pricing from the start.Paraphrased from Google, 2025Read the full OneChoice review
My life insurance claim was processed within 24 hours. The team was compassionate and kept me informed every step of the way.Paraphrased from Google, 2025
Premiums increased significantly at renewal. Trauma cover pricing was much higher than quotes I received from other providers.Paraphrased from Google, 2024Read the full AIA review
The health management programmes like Healthier Joints and Cancer Care show nib genuinely invests in member wellness beyond just paying claims.Paraphrased from Member feedback, 2025
Called to update my excess and was on hold for over two hours. When I finally got through, the change still was not actioned properly.Paraphrased from Trustpilot, 2024Read the full nib review
Friendly and professional staff throughout the life insurance application. Had the policy sorted within two weeks of first contact.Paraphrased from Google, 2025
Travel insurance claim took over a month. Multiple follow-ups needed just to get a status update. Very frustrating experience.Paraphrased from Google, 2024Read the full Chubb review
My premiums have gone up every single year since I turned 60. The increases feel excessive and there is little transparency about how they are calculated.Paraphrased from Trustpilot, 2024Read the full Fidelity Life review
Claim was declined due to non-disclosure from years ago. Felt the process was adversarial rather than supportive.Paraphrased from Trustpilot, 2024Read the full Partners Life review
Among the life insurance providers we track with at least 100 reviews from New Zealand customers, Golden Insurance has the highest overall score at 4.9/5 from 2,700+ reviews, followed by Momentum Life (4.0/5) and NZ Seniors (3.9/5). Scores cover each brand as a whole and change over time, so check the date on each full review.
Each overall score is the customer sentiment score from our full review of that provider. It aggregates ratings from public platforms such as Trustpilot, Google and Feefo, weighted by review volume, with platforms holding fewer than 50 reviews given less weight. Quotes are paraphrased summaries of real customer reviews, and scores built on self-published or overseas review profiles are marked in the table. The scores describe customer experience only and say nothing about the price or cover of any policy.
These ratings describe customer experience only. To compare cover, prices and policy features, see our life insurance comparison, or browse all NZ insurance company reviews.
Disclaimer: Reviews and ratings on this page are for informational purposes only and do not constitute financial advice. Scores are drawn from third-party review platforms at the date shown on each full review and may have changed since. Always verify details directly with the insurer.