Sample data while we build. Names, prices and register numbers are illustrative.
search
Sign in
HL

Harbourline Life Protect

Issued by Harbourline Life Ltd · Sold through advisers
infoSample policy recorddescriptionWording Mar 2025fact_checkSample review by a person · Sep 2026Life insurance · New Zealand
Indicative price
$31.00NZD / month
Age
Smoker
check_circleEligibleEntry age up to 70.
For $750k life cover. Indicative and not underwritten. The insurer sets the final price.

Key terms

Each value links to where it appears in the sample wording. Unknown means we couldn't find it, not that it isn't covered.

TermValueEvidence (sample)Status
Life covercheck_circleUp to $2MBenefit table · p.4Sample review
TPD definitioncheck_circleOwn occupation§5.2 · p.14Sample review
TPD age changecheck_circleNone found§5.2 · p.14Sample AI · 91%
Terminal illnesscheck_circleLife expectancy 12 months§4.4 · p.12Sample review
Critical illnesscheck_circleAdd-onBenefit table · p.5Sample review
Maximum entry agecheck_circle70Eligibility · p.3Sample review
Expiry agecheck_circle100Eligibility · p.3Sample AI · 96%
Premium optionscheck_circleStepped or levelPremiums · p.22Sample review
Indexationcheck_circleCPI, optional§9.1 · p.24Sample AI · 88%
Total and permanent disability
Own occupation test
“unlikely ever to return to their own occupation, as a result of sickness or injury.”
Sample source · Wording Mar 2025 · §5.2 · p.14
Own vs any occupation, explainedarrow_forward
Exclusions
block
Suicide or self-injury within 13 months of the start date
§11.1 · p.30
block
Pre-existing conditions not disclosed at application
§11.2 · p.30
block
TPD: intentional self-injury, war, criminal acts
§11.4 · p.31
Personal exclusions appear in your own policy schedule, not here.

Version history

Your policy usually follows the wording in force when it started. Saved comparisons keep the version you saw.

Mar 2025
Current wording
Terminal illness definition clarified; indexation made optional.
Current
Jul 2023
Previous wording
TPD definition unchanged. Critical illness list expanded from 38 to 44 conditions.
Superseded
Feb 2021
First sample review by Bob
Baseline version.
Superseded

Similar policies

All life insurancearrow_forward
SPSummit Protect LifeSummit Life NZ Ltd · Own occupationTFTōtara Family ShieldTōtara Life Ltd · Own occupationKTKererū Term LifeKererū Assurance Ltd · Any occupation
edit_noteSpotted something wrong? Insurers and readers can report a correction. We review every report within five working days.Report a correctionHow terms are reviewed