Why do you need life insurance?

If anything happens to you, life insurance gives your family peace of mind, knowing they'll be able to take care of the mortgage and pay the bills. Even if you don't have kids but you own a house, rent or have loans, you should still have life cover. Either way, we make it easy with two great options.

Work out how much cover you need with our life insurance calculator.



With TotalCareMax, your cover is customised based on your lifestyle, health and occupation.

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Simple Life

Simple Life

Young and healthy? Simple Life is for you if you just want quick, cover without heaps of questions.

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What life stage are you at?

We don't think twice when it comes to insuring our car, house or contents. But in most cases, life insurance is not for you, it is for your family.

Would you like to talk to someone? Just give us a call on 0800 782 835

Collect Fly Buys points

Take out any State Life policy and in addition to the Fly Buys points you'll earn on your premiums, you'll also get 50 Fly Buys bonus points!

Click here for Fly Buys terms and conditions.

Frequently asked questions

  • What is life cover?

    Life insurance helps to protect the lifestyle and future of your family and loved ones if you die. The policy pays a lump sum if you die or are diagnosed with a terminal illness (with less than 12 months to live).

  • Who can get life cover?

    Almost everyone will qualify for life insurance. In the unlikely event that your personal circumstances limit you from a full life insurance, there are less comprehensive ‘guaranteed acceptance' life products available, such as accidental death and funeral cover.

  • How much cover can I get?

    Everyone is different and has different needs. You need to consider how you can adequately meet your debts, to ensure that those you leave behind aren't burdened financially. While we are not able to provide advice on this website, you can use our ‘life insurance needs calculator' to help with your decision. If you buy life insurance online, there is a maximum limit of $1 million cover. Should you require a quote for more than this amount, please call 0800 782 835 so we can ensure you receive the right level of cover.

  • Should my spouse or partner also get life cover?

    If you share responsibility for any financial liabilities such as children or a mortgage or if you would not manage financially if they were to die, then the answer is probably yes.

  • What happens if I change my mind?

    Once you have submitted your online application you'll have 15 days to make up your mind from the date you receive your policy documents. If during this time you decide that the policy is not right for you, simply return it to us and we'll cancel it and refund any premiums that may have been paid. After the first 15 days, you may cancel your policy at any time by sending us a written request.

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