Life insurance advice for New Zealanders
Protect the people and the life you're building.
Clover helps you sort life, health, trauma and income protection cover without the jargon. We compare New Zealand's major insurers and explain it in plain English.
- Licensed financial advice
- 15-minute first chat
- No cost to you
Advice, not a call centre
One adviser who knows your situation, from first chat to claim time.
Why people choose Clover
Insurance has a reputation for being confusing and pushy. We built Clover to be the opposite of that.
Genuinely transparent
You'll know what a policy covers, what it doesn't, and how we're paid — before you sign anything.
No-jargon advice
No 30-page PDFs to decode. We translate the fine print into plain English you can actually act on.
We compare the market
We look across New Zealand's major insurers to find the cover and price that fits your life.
Personal all the way
Same adviser every time, reviews as life changes, and real help if you ever need to claim.
The cover we advise on
Most people need a mix, not all of it. We'll work out what actually matters for your situation.
Life Insurance
A lump sum for the people who depend on you, so the mortgage and everyday life carry on.
Health Insurance
Private treatment and specialist care without sitting on a public waiting list.
Trauma Cover
A lump sum on diagnosis of a serious condition like cancer, stroke or heart attack.
Income Protection
Monthly payments to replace most of your income if illness or injury stops you working.
TPD Cover
Support if a total and permanent disability means you can never return to work.
How it works
Three steps, no pressure, and you can stop at any point.
- 01
Have a chat
A relaxed 15–30 minute call about your family, income, mortgage and what you'd want covered.
- 02
We compare
We research options across NZ's major insurers and come back with a clear recommendation.
- 03
Get covered
We handle the paperwork and underwriting, then check in as your life changes.
Regulated advice, and we work with the insurers you already know.
Clover's advice is provided under a licensed Financial Advice Provider, which means we're held to New Zealand's financial advice duties — putting your interests first, being competent, and being upfront about how we're paid.
- AIA
- Partners Life
- Fidelity Life
- Asteron Life
- Chubb Life
Questions people ask us
Can't see yours? Ask it in the form below — we'll answer properly.
Book a free chat
Tell us a little about you and we'll come back with a time that suits. No obligation, no hard sell.
Prefer to pick a time yourself?
Our online booking calendar is coming soon. It'll drop straight in here so you can choose a slot that works around your day.
Calendar booking placeholder
Scheduling embed will appear here.
Or email us at hello@clovercover.co.nz