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Relying on NZ Super? Here’s What New Zealand Residents Aged 40–80 Should Know

Posted By Glenda Willis March 7, 2026 • 5 Min Read

Posted By Glenda Willis • March 7, 2026 • 5 Min Read

The average age pension in Australia is only $650.45^^ a week. For many Kiwi's that's barely enough to get by and the day you pass away your pension stops. Without additional cover, your partner could be left in retirement with the mortgage, bills and other expenses on a single pension.

That's why more Kiwi's are turning to this Life Insurance policy. If you're a New Zealand Resident Aged 40-80 you could qualify for up to $250,000* in life insurance (depending on your age and personal circumstances) without medical exam or blood tests required, just a few health and lifestyle questions.

And if you’re ever diagnosed with a terminal illness^ it can even pay you out while you’re still alive to help pay off a mortgage, cover funeral costs, or ease any financial burden left behind. Thanks to this website, you can check your eligibility completely free.

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Family Protection. Peace Of Mind.

Websites like Right Life Insure can help request a life insurance quote in 60 seconds.

There's no cost to check, and no obligation and Australian residents aged 40-80 can apply with no medical exams or blood tests required!

If you've been putting this off, it might be worth taking a minute to see what you may qualify for.

Here’s How You Do It:

Step 1: Select your age and see how much coverage you could get.

Step 2: Answer a few questions (only takes a few minutes), and request a free quote.

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*From $10,000 up to $250,000 of cover available (depending on your age and personal circumstances when you apply). The benefit amount will not be paid if you die or are diagnosed with a Terminal Illness as a result of an intentional self-inflicted injury or attempted suicide that occurred before the policy commencement date or within the first 13 months of the policy commencement date. A waiting period may also apply during which the benefit amount will only be paid if you die due to an accident. Refer to the Policy Document (Insert Hyperlink) for full details.

^Terminal Illness is as defined in the Product Disclosure Statement. Upon payment of a Terminal Illness claim, the policy and cover will end.

** Your actual premium may be different and will depend on your age, gender, smoking status, chosen benefit amount and answers to the underwriting questions as part of your application

Right Life Insure is not a life insurance provider, health services provider or financial services provider. We operate exclusively as referral service.

Uleads Digital, trading as Right Life Insure, runs a campaign to generate life insurance leads for Golden Insurance.

Golden Insurance products are issued by Hallmark Life Insurance Company Limited NZBN 9429039172631 FSP number FSP13701 and distributed and promoted by Neilson Financial Services Pty Ltd ABN 52 668 314 896, under the trading name Golden Insurance. Neilson Financial Services Pty Limited is not a licensed financial advice provider in New Zealand and all information provided is general information only. No financial advice is given. It’s important that you make your own decision on whether a product is suitable for you, and if you are unsure, seek independent financial advice. Please refer to the relevant Policy Document https://www.goldeninsurance.co.nz/policy-document/ for full terms and conditions.
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