New Zealand’s Leading Instant Online Life Cover Insurance – 0800 302 884



Thank you for using this website (the Website). Below you will find the terms of use for the site. By accessing and using the Website you unconditionally agree to be bound by the following terms and conditions of use (Terms).The Website and domain name is owned and operated by Sovereign Services Limited (SSL). All insurance products referred to on the Website are underwritten by Sovereign Assurance Company Limited (SACL) (together with SSL, Sovereign or “we”) under a distribution arrangement with the seller named in the footer of the Website (the Seller).

Variation of terms

Sovereign reserves the right to vary the information on the Website, including these Terms, at any time by posting notice on the website, including the date and nature of the changes. Examples of when Sovereign may vary information on the website or vary these Terms include:

  • When the Policy document is updated
  • As a response to changes in the law
  • When product information needs updating
  • When functional changes are made to the website
  • When changes to these Terms and Conditions are required as a result of changes to any of the above.

Your continued use of the Website following the posting notice of any changes (including changes to these Terms) indicates your acceptance of those changes.


This website is for access and use by persons resident in New Zealand only. The contents of the Website have been prepared in accordance with New Zealand law for the supply of products in New Zealand. The contents of the Website and any contracts formed with Sovereign arising out of the Website are governed by New Zealand law and New Zealand courts have exclusive jurisdiction. All dollar figures on the Website are expressed in New Zealand dollars. The distribution of information contained on the Website may be restricted by law in some countries. The information does not constitute an offer or solicitation in any jurisdiction outside New Zealand.


The availability of the Simple Life insurance offered over the Website is subject to Sovereign approval. If choosing to buy Simple Life insurance from this site you should not rely solely on the information contained within the site pages. You should carefully read the policy documentation and/or terms and conditions relating to Simple Life insurance before purchasing.

Disclaimers and liability

The information provided by the Website is general in nature. While we have endeavoured to ensure that the content and material on the Website is correct, Sovereign and the Seller do not warrant its accuracy, reliability, completeness or that it is up to date. In no event will Sovereign or the Seller be responsible for any loss or damage of whatever kind arising out of access to, use of, or reliance on any information contained on the Website.

Your use of the Website is at your own risk. To the extent permitted by law, you agree that:

  • None of Sovereign; the Seller; any of their directors, officers, employees or agents; or any other party involved in creating, producing or delivering the website is responsible for any losses, damage or harm arising out of your use of the Website.
  • All warranties, conditions and representations in respect of the Website (express or implied) are excluded.
  • You indemnify Sovereign and the Seller from and against all actions, claims, suits, demands, liabilities, costs or expenses arising out of or in any way
    connected to your use of the Website.
  • Any dealings with any advertiser or other third party appearing on the Website are solely between you and the advertiser or third party. Neither sovereign nor the Seller is responsible or liable for any part of any such dealings

New Zealand’s Leading Instant Online Life Cover Insurance – 0800 302 884


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New Zealand’s Leading Instant Online Life Cover Insurance – 0800 302 884