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PROTECT YOUR STAFF
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✦ Group insurance for NZ employers

Your team shows up every day. What happens when they can't?

Group cover turns your employment package into a genuine competitive advantage — attract better people, keep them longer, and protect them when it matters most. No adviser fee, ever.

Protect your staff → See what's included ↓
Group life
Group Life Insurance
Lump-sum payment to an employee's family if they pass away on your payroll.
✓No medical for most staff
Group health
Group Health Insurance
Fast specialist access and private treatment — fewer sick days, faster recoveries.
✓nib & Southern Cross
Trauma
Group Trauma Cover
Lump sum if an employee is diagnosed with a serious illness like cancer, stroke or heart attack.
✓Cancer, heart attack, stroke & more
Income protection
Group Income Protection
Replaces a portion of income if a team member is medically unfit to work.
✓Illness, cancer, mental health & more
TPD
Group TPD Insurance
Lump sum if an employee is permanently unable to return to work.
✓Works alongside Group IP
$1.2M+
Paid in claims to LifeCovered clients
$0
Adviser fee — paid by the insurer
Any size
Cover tailored to your team and sum insured
5 insurers
AIA, Asteron Life, Partners Life, Chubb Life & Fidelity Life
FSP675171
Financial Advice Provider
Why LifeCovered

Group cover.
Individual-quality advice.

Most employers assume group insurance is complicated, expensive to set up, or only worth it for large businesses. None of that is true.

Group plans through LifeCovered are available to businesses of almost any size. They often come with simpler underwriting than personal policies — meaning your team may qualify for cover they couldn't get on their own.

Whether you're a Hamilton tradie with five staff or a Wellington practice with forty, we'll put together a package that fits your team and your budget. And because we're paid by the insurer, not by you, there's no cost to set it up.

Group health
5+ staff
The minimum for group health insurance — one of the most valued benefits you can offer your team
Life · IP · TPD
15+ staff
The threshold where life, income protection and TPD cover often comes with no individual medical underwriting
$0
Cost to set up — we're paid by the insurer, not by you
The process

Simple to set up.
Valuable from day one.

1
Tell us about your team
The first conversation is just a chat — no forms, no commitment. Once you're ready to proceed, we'll need a brief staff list to get quotes from the market.
2
We compare the whole market
We approach the insurers on your panel, assess the options, and come back with a clear recommendation that fits your team size, industry, and budget.
3
You choose — we handle the rest
Once you're happy with the plan, we manage the setup, onboarding for staff, and ongoing changes as your team grows.
Book a free consultation →