Why choose TotalCareMax?

You never know when life is going to take an unexpected turn. So it's good to have a plan in place. TotalCareMax offers you a range of protection to choose from, and can help give you and your family a financial safety net if things get difficult.

You can choose the type of cover that suits you. It's easy to arrange and it's from a name you can trust. We offer a 15 day money back guarantee, and you'll also collect Fly Buys points for every policy you have with us.


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

TotalCareMAX Life Cover

Life cover from as little as $15 per month

This plan pays out a lump sum to help take care of your mortgage or provide an ongoing income for your family if you die. You can choose to pay as little as $15 a month, or choose a specific amount of cover up to $1 million.

Here are some of the things it can help with:

  • Repaying the mortgage - the funds could help pay off your home loan
  • Day-to-day living expenses - so you can keep up with daily expenses like food, clothes and school fees
  • Raising children - so they have a better chance at getting the upbringing you'd want for them
  • Protecting retirement savings - reducing the risk of your nest egg being put in jeopardy
  • Funeral expenses - reducing the need for your family to pay for the cost of a funeral themselves.

Call for a quote 0800 782 835


TotalCareMax Living Assurance

This plan provides a lump sum claim payment if you or your children suffer from one of over 40 serious medical conditions (including cancer, heart attack and stroke) and a partial payment for 16 conditions helping you to cope with the physical and emotional effects on your lifestyle, family and work.

  • Financial survival - by eliminating or reducing debt, helping to supplement your earnings as you return to work, or by boosting your retirement savings
  • Treatment expenses - by exploring alternative treatment options without putting a severe strain on your finances.

TotalCareMax Mortgage and Income Protection

This plan provides an income to help cover mortgage or rent payments if you are ill or injured and unable to work or made redundant, reducing the need for you to move or downsize at a difficult time.

Choose from one of the following options:

  • Protecting your mortgage - you'll receive an income to help cover your mortgage instalments
  • Protecting your income - you'll receive an income that you can put towards expenses like rent if your earning capacity is seriously affected.

Call for a quote 0800 782 835


State Life Insurance is underwritten by Sovereign Assurance Company Limited. State Insurance receives a commission in relation to the policy. It is not the insurer, and does not guarantee Sovereign.