Fidelity Life Insurance Review 2026
Fidelity Life is a New Zealand owned specialist life insurance and investment provider, founded in 1973 and delivering cover through non-aligned advisers.
About Fidelity Life
Fidelity Life Assurance Company Limited (Fidelity Life) provides quality life insurance and investment products through non-aligned advisers, giving you financial choices when you need them most.
Fidelity Life is a New Zealand owned specialist life insurance and investment provider. Fidelity Life was founded in 1973 by Gordon Watson to be the company of choice for advisers, and remains dedicated to that vision.
Fidelity Life employs over 300 staff and remains New Zealand-owned and controlled.
Financial Strength Rating
The Insurance (Prudential Supervision) Act 2010 requires all licensed insurers to have a current financial strength rating that is given by an approved rating agency.
Fidelity Life has an A- (Excellent) credit rating from A.M. Best
Claims
In the year ended 30 June 2025, Fidelity Life paid $247.7 million in claims to 2,279 New Zealand customers, accepting 93% of new claims. The total breaks down as $147.3 million in life cover claims (97% acceptance), $50.8 million in trauma claims (84% acceptance), $47.5 million in income protection claims (95% acceptance), and $2.1 million in TPD claims (69% acceptance). Since its founding in 1973, Fidelity Life has paid more than $2 billion in claims to New Zealanders (source: Fidelity Life FY25 Claims Brochure, October 2025).
Fidelity Life insurance products
Compare cover options or talk to an adviser to find the right fit.
Life Insurance
Lump-sum protection for your family when they need it most. Fidelity Life pays an immediate $25,000 on death to help with funeral costs, with the balance paid as a lump sum.
Life Insurance details →Trauma Cover
Fidelity Life trauma cover pays a lump sum if you are diagnosed with a serious illness like cancer, heart attack, or stroke. The payment is yours to use however you need.
Trauma Cover details →Income Protection
Fidelity Life income protection replaces a portion of your income if illness or injury stops you from working. Monthly payments help keep your finances on track while you recover.
Income Protection details →Monthly Mortgage Repayment Cover
Fidelity Life mortgage protector covers your mortgage repayments if illness, injury, or redundancy stops you from working. Keep your home protected while you get back on your feet.
Monthly Mortgage Repayment Cover details →Talk to an adviser about Fidelity Life
Get personalised advice on the right policy for your situation. Your choice, at no cost to you.