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Compare 3 policies

lock_clockKept at the wording versions below · created 9 Oct 2026
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3 of 3 policies
HL
Harbourline Life ProtectHarbourline Life LtdWording Mar 2025
KT
Kererū Term LifeKererū Assurance LtdWording Jan 2026
SP
Summit Protect LifeSummit Life NZ LtdWording Aug 2025
Sold
Adviser
Direct
Adviser
Indicative price
$31.00 NZD/mo
Not underwritten
$28.00 NZD/mo
Not underwritten
Not yet priced
TPD test
Own occupation
Any occupation
Own occupation
TPD wording
“unlikely ever to return to their own occupation, as a result of sickness or injury.”
§5.2 · p.14
“unable ever to work in any occupation for which they are reasonably suited by education, training or experience.”
§6.1 · p.9
“unlikely to ever work again in their usual occupation. From age 65, an activities-of-daily-living test applies.”
§4.6 · p.18
Terminal illness
12 months
12 months
6 months
Critical illness
Add-on
Not offered
Included
Max entry age
70
60
75
Eligible at 35
Yes
Yes
Yes
Expiry age
100
100
100
infoWhere definitions differ, Bob shows each insurer's original wording instead of a score. Prices are indicative for age 35, non-smoker, $750k cover, and not underwritten. This is information, not advice.
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