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Harbourline

Insurer · Harbourline Life Ltd
location_onAuckland, New Zealand
InsurerverifiedLicence checked 3 Sep 2026Indicative pricing on Bob

Harbourline has 7 life policies on Bob, sold through advisers, direct online. 100% use an own-occupation TPD definition, against 50% across the market.

Policies on Bob
7
Founded
1948
Advisers placing
18
Latest wording
Mar 2025
Compare Harbourline policies
See every Harbourline policy next to the rest of the market, with the evidence behind each term.
table_viewCompare Harbourline policies support_agentFind an adviser
Listing doesn't depend on any commercial relationship with Bob.

About Harbourline

Harbourline is the consumer brand of Harbourline Life Ltd, founded in 1948 and headquartered in Auckland. It is part of Harbourline Financial Group and sells through advisers, direct online.

Bob has reviewed 7 of its life policies. Every term on this page links back to the insurer’s published wording, and changes are reviewed by a person before they appear.

Who's who

sellBrand
Harbourline
The name on the policy documents and ads.
account_balanceIssued by
Harbourline Life Ltd
The company that pays claims and holds the licence.
storefrontSold through
Advisers, direct online
How customers can buy it.
infoHarbourline products are issued by Harbourline Life Ltd and sold mainly through advisers.
Product analysis

How Harbourline compares with the market.

7 Harbourline life policies against all 46 reviewed in New Zealand. Prices are indicative for a 35-year-old non-smoker with $750k of cover.

HarbourlineMarket average
Own-occupation TPD100%Market 50%trending_up+50 pts vs market
Critical illness available100%Market 65%trending_up+35 pts vs market
Average indicative price$31/moMarket $33/motrending_up−6% vs market
Average maximum entry age69Market 67trending_up+1 yrs vs market
Own-occupation TPD100%+50 pts
Pays if you can’t return to your own job.Market 50%
Critical illness available100%+35 pts
Included or as an add-on; 0% include it as standard.Market 65%
Terminal illness at 12+ months100%+17 pts
Pays early when life expectancy is 12 months or more.Market 83%
Average maximum entry age69+1 yrs
Oldest age to take out a new policy.Market 67
Average indicative price$31/mo−6%
NZD per month. Lower is cheaper.Market $33/mo
Policies with pricing on Bob14%−53 pts
Where the insurer has approved pricing access.Market 67%
thumb_upStands out for
checkMore policies use own-occupation TPD than the market (100% vs 50%).
checkIndicative prices average 6% below the market.
checkAccepts new applicants up to an older age than most (average 69).
visibilityWorth checking
arrow_right6 of 7 policies don’t have pricing on Bob yet.
A factual summary of published terms, not a rating or a recommendation.Compare the wordingarrow_forward

Harbourline policies on Bob

Open in the comparison tablearrow_forward
PolicyChannelTPD testTerminal illnessCritical illnessMax ageIndicativeCurrent wording
Awa Life SimpleAdviserOwn occupation12 monthsAdd-on70Not yet pricedWording Mar 2025 · §5.2 · p.14Harbourline Life ProtectAdviserOwn occupation12 monthsAdd-on70$31.00Wording Mar 2025 · §5.2 · p.14Huia Life EssentialsAdviserOwn occupation12 monthsAdd-on70Not yet pricedWording Mar 2025 · §5.2 · p.14Kauri Term SelectAdviserOwn occupation12 monthsAdd-on70Not yet pricedWording Mar 2025 · §5.2 · p.14Kōtuku Life EssentialsAdviserOwn occupation12 monthsAdd-on60Not yet pricedWording Mar 2025 · §5.2 · p.14Moana Protect MaxAdviserOwn occupation12 monthsAdd-on70Not yet pricedWording Mar 2025 · §5.2 · p.14Tūī Cover FlexAdviserOwn occupation12 monthsAdd-on70Not yet pricedWording Mar 2025 · §5.2 · p.14
historyWording history
Bob never overwrites a policy. Saved comparisons keep the version they were made on.
Mar 2025
Current wording published
Applies to new policies from this date. All terms reviewed by Bob within five working days.
Sep 2024
TPD definition clarified
The own-occupation test now spells out the 3-month waiting period. Earlier comparisons keep the previous wording.
Feb 2023
Terminal illness benefit updated
Life expectancy threshold and claim evidence requirements revised.
sellPricing on Bob
Indicative pricing on Bob
Bob shows indicative prices for these policies through an approved integration. Prices aren’t underwritten.
Priced policies
1 of 7
Lowest indicative
$31/mo

Advisers who place with Harbourline

All advisersarrow_forward
As declared by each adviser. Shown alphabetically.
AWAnika WalkerNorthbridge Risk · ChristchurchATAroha TaneKōwhai Advisers · AucklandCCChloe ClarkeNorthbridge Risk · NapierEREthan RāwiriPīwakawaka Planning · NapierGFGrace FraserTūī Financial · NapierHNHana NgataKōwhai Advisers · AucklandIRIsla ReddyTūī Financial · AucklandJPJames ParkHarbour Advice · Wellington

Other organisations

Full directoryarrow_forward
KTKererūInsurerSPSummit ProtectInsurerWLWakaInsurerTFTōtaraInsurerPKPōhutukawaInsurerKAKōwhai AdvisersDistributor