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About KiwiCover®

KiwiCover is Sovereign’s trusted online partner. We enable New Zealanders to apply online for Sovereign's flagship life, health, trauma, income protection, permanent disability and family protection insurance policies.

We provide a self-help, no advice, low-cost facility with all the following great features:

  • Instant quotes.
  • Online calculators.
  • Easy-to-follow forms.
  • Extensive help and tools.
  • No paperwork to complete.
  • Electronic confirmations.

Underwritten and Issued by Sovereign

For Kiwis’ peace of mind and financial security, policies offered through KiwiCover are underwritten and issued by Sovereign Assurance Company Limited, New Zealand’s largest life insurance company. Sovereign has a financial strength rating of A+ (Superior) from A.M. Best Company, the highest rating of any life insurance company in New Zealand. View the A.M. Best Company rating scale.

100% New Zealand owned

KiwiCover Insurance Limited is 100% New Zealand-owned, and is located in central Wellington.

What does ‘Poua he Parahau’ mean?

The concept of KiwiCover is summed up perfectly in the expression Poua he Parahau. Formulated for KiwiCover by the Māori Language Commission, Poua he Parahau means “to establish a protection or a defence”. And that’s exactly what our cover does. It provides financial protection by establishing a defence against the unexpected.