ASB Lifestyle Security Plan
A personalised policy that can offer comprehensive insurance solutions including life, loan and income protection.
01. Quote
Use our quote tool to find out how much it might cost to get yourself covered.
ASB Lifestyle Security Plan
Choosing the right types of insurance to suit your circumstances and budget isn’t easy. A specialist ASB Insurance Manager can help you get the overall cover you need, with a personalised ASB Lifestyle Security Plan.
Protect what matters most
ASB lifestyle insurance helps protect you and your loved ones from the unthinkable. The unthinkable doesn't just mean if you were to pass away, but also if you were unable to work from an accident, injury or illness.
It's an afterthought for many kiwis to protect themselves with lifestyle insurance as they sometimes forget their ability to earn is one of their most valuable assets. Having it can help with the day-to-day cost of living so if the unthinkable does happen, you can focus on what matters most.
Talk to our specialists today about lifestyle insurance that will best suit you.
Sign up and get one month's premium free*.
*To get your one month premium free simply apply for a new qualifying ASB life, income protection or health insurance policy between 30 July 2021 and 31 October 2021 (inclusive) and have the resulting policy issued on or before 31 December 2021. Full terms and conditions of the offer are available here. The availability of insurance cover is subject to your application being approved. All applications are subject to individual consideration. Special conditions, exclusions or premium loadings may apply. An excess may apply for health insurance policies. For full details, refer to the Policy Document which is available on request from any ASB branch. ASB life, income protection and health insurances are underwritten by AIA New Zealand Limited.
Benefits at a glance
- Advice you can trust from a specialist ASB Insurance Manager
- As your life changes, so do your insurance needs. You can talk to us whenever your needs change
- A range of comprehensive insurance solutions including life, loan and income cover
- Get an insurance recommendation tailored to your individual needs
Understanding insurance
Whether you live alone or have a family to support, it’s never nice thinking about what could go wrong. Having insurance to cover the important aspects of your life gives you the peace of mind that should the worst happen, you’ll be financially protected.
It means that if you lost your income through illness, disability or redundancy – you could still meet ongoing financial commitments. Or in the event of your death, help your dependents keep their home and the standard of living they enjoy.
Options to choose from
To help you cover the areas of your life which matter most, an ASB Insurance Manager will take you through a full protection review, and then provide you with a recommendation that has the right mix of cover to suit your goals and financial situation.
Your ASB Lifestyle Security Plan can include a combination of the following insurance benefits:
Term Life – take care of financial commitments and dependents with a lump-sum payment if you were to pass away. This benefit can be paid early if you are diagnosed with a terminal illness that is likely to result in you passing away within 12 months.
Mortgage and Income Protection – financial cover to help you meet your mortgage or rent payment or other expenses if if you are unable to work due to sickness or injury. You can also get optional cover for redundancy.
Income Protection insurance – provides a monthly benefit payment if you are unable to work due to sickness or injury. You can also get optional cover for redundancy.
Critical Conditions – receive a lump-sum payment if you suffer from one of the specified critical conditions defined in your policy.
Total Permanent Disablement – provides a lump sum payment in the event that you become totally and permanently disabled and are unable to engage in either your 'own' or 'any' occupation, depending which type of cover you have.
Family Protection – provides your dependents with a monthly income in the event of you passing away.
Accidental Death – pays a lump-sum payment to your dependents if you pass away as a result of accidental injury.
ASB and AIA - a partnership you can trust
Partnership is all about trust. When it comes to protecting you and your family's financial wellbeing, you can trust ASB and AIA to be there for you. ASB has helped thousands of New Zealanders protect themselves over the years. Our ASB Insurance Managers and frontline teams make life, loan, health, and income protection insurance easy. It's about keeping you one step ahead, by making sure difficult and even heart-breaking situations don't turn into financial setbacks as well. We've now partnered with AIA - as our underwriter, they stand behind all our policies.
All licensed insurance providers are required to have a financial strength rating from an approved rating agency. You can find details of AIA's current rating and rating agency at www.aia.co.nz, or at any office of AIA New Zealand Limited.
View AIA's financial strength rating.
Get started today
02. Meet
Call 0800 200 252 or find an ASB Insurance Manager to make an appointment. You can also get in touch online and we will call you back.
03. Apply
We'll talk to you about your requirements and make a recommendation tailored to your needs. Once you've provided everything we need for your application, we'll let you know as soon as possible if its been accepted.
04. Review
Review your insurance cover regularly to ensure it still fits – especially if you've had a big life change.
Apply for ASB Lifestyle Security Plan insurance
Ready to get started?
An ASB Insurance Manager can help you to identify what you need and advise on a solution.
Visit a branch
Visit us at one of our many branches across New Zealand to book an appointment with an ASB Insurance Manager.
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We're here to help you
Frequently asked questions
Manage my insurance
The availability of insurance cover is subject to your application being approved. All applications are subject to individual consideration. Special conditions, exclusions or premiums loadings may apply. An excess may apply for health insurance policies. For full details refer to the policy document which is available on request from ASB Bank Limited. This insurance is underwritten by AIA New Zealand Limited ("AIA").
