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 Lifestyle Security Plan.

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

Is it right for me?

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 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 in the event of your death. This benefit can be paid early if you are diagnosed with a terminal illness that is likely to result in your death within 12 months.

Mortgage and Income Protection – financial cover to help you meet your mortgage or rent payment or other expenses if your ability to earn is seriously affected by illness, disability or redundancy.

Income Protection insurance – provides a replacement income should you be unable to work due to serious illness or disability, plus optional cover for involuntary redundancy. 

Living Assurance – receive a lump-sum payment if you suffer from one of the critical conditions defined in your policy.

Total Permanent Disablement  receive a lump-sum payment if you are unable to ever work again as a result of a serious illness or injury.

Monthly Critical Illness – provides a monthly income if you are disabled as a result of one of the critical conditions defined in your policy.

Family Protection – provides your dependents with a monthly income in the event of your death.

Specialist and Diagnostic Testing Benefit - pays for specialist consultations and tests up to a limit of $5,000 and includes access to Best Doctors® .

Accidental Death - pays a lump-sum payment to your dependents if you die as the result of an accident. Costs less than regular life cover because it only covers accidental death.

ASB and Sovereign - a partnership you can trust

In times of uncertainty, it's important to know who you can trust. And when you're relying on someone to protect you and your family’s financial wellbeing, you want to be sure that they’ll be there when you need them.

Sovereign Assurance Company Limited ("Sovereign"), the underwriter of the insurance cover, has an A+ (Superior) financial strength rating from A.M. Best, an approved rating agency, so you can be confident of receiving the financial support you need when the unexpected happens.

View Sovereign's financial strength rating.

Get started today

01. Quote

Use our quote tool  to find out how much it might cost to get yourself covered.

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 will 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 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.

Find an expert

Call us

We’ll arrange an appointment with an ASB Insurance Manager.

0800 200 252

Visit a branch

Visit us at one of our many branches across New Zealand to book an appointment with an ASB Insurance Manager.

Find a branch

Any questions?

We'll help with your insurance query.

Ask us now

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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. Life, health and disability insurance is underwritten by Sovereign Assurance Company Limited ("Sovereign"). None of ASB Bank Limited or its subsidiaries, the Commonwealth Bank of Australia, or any other company in the Commonwealth Bank of Australia Group, or any of their directors, or any other person, guarantees Sovereign or its subsidiaries, or any of the products issued by Sovereign or its subsidiaries.

Life, loan and income protection insurance ASB Lifestyle Security Plan