lifeDirect review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

LifeDirect is a New Zealand comparison site rather than an insurer, so it puts life, health, income protection, critical illness, home, auto and pet quotes side by side before you apply. It suits people who want monthly payments and a licensed intermediary instead of one provider for everything.

Key facts

Best for
Comparing several lines of personal insurance on a monthly payment basis in New Zealand
Insurance types
Life, Health, Income-protection, Critical-illness, Home, Auto, Pet (Source, checked September 26, 2026)
Provider type
Comparison site (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Claims channels
Online, Phone (Source, checked September 26, 2026)
Legal entity
LifeDirect 2020 Limited (Source, checked September 26, 2026)
Headquarters
New Zealand (Source, checked September 26, 2026)
Founded
2005 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
lifedirect.co.nz

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Monthly payments are available, with cover arranged on a monthly basis
  • Life, health, income protection, critical illness, home, auto and pet can be compared in one place, all listed in life, health and income protection
  • Support runs on email, phone and help centre, and claims run on online and phone
  • Registered with the Financial Markets Authority as FSP286965

Cons

  • It is a comparison site (comparison site), so the policy sits with the insurer you pick rather than with the site itself
  • Live chat is not among its support channels (email, phone and help centre)
  • Annual billing is not among its payment models (monthly)
lifeDirect

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Scored 8.9 / 10 by AssureCue.

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Who it suits

  • New Zealand households shopping for life or health cover alongside car, home and pet insurance
  • Anyone who wants to pay monthly rather than settle a policy in one go
  • People who would rather weigh several insurers than deal with a single provider

Who should look elsewhere

  • Hiscox UK, whose listed types are home, renters and landlord, aimed at home and vehicle policies
  • Euroasia Insurance, whose listed types are auto, home and travel
  • Good Sam Insurance Agency, whose auto, home and renters run in a different market

Who runs it

LifeDirect is a comparison site rather than an insurer, and the legal entity behind it is LifeDirect 2020 Limited. It is based in New Zealand and was founded in 2005. Support runs on email, phone and help centre, so help arrives by email, phone or a help centre. It is listed with the Financial Markets Authority as FSP286965.

How lifeDirect compares

Where lifeDirect is available

Available
New Zealand
Licence in New Zealand
Financial Markets Authority (Financial Service Providers Register) (FSP286965), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kind of company is LifeDirect?+

It is a comparison site rather than an insurer, so quotes come from partner insurers and the policy is issued by the insurer you choose. The legal entity behind it is LifeDirect 2020 Limited, and the site is based in New Zealand, so it operates as a New Zealand intermediary.

Can I pay monthly instead of in one go?+

Yes, monthly payments are available, and the payment model listed for the site is monthly. That suits anyone who would rather spread the cost across the year than settle a policy as a single lump sum.

Which types of insurance can I compare?+

The range covers life, health, income protection, critical illness, home, auto and pet, as listed in life, health and income protection. That means several lines can be quoted together rather than searched for one at a time on separate sites.

Who regulates the site?+

LifeDirect is listed with the Financial Markets Authority on the Financial Service Providers Register as FSP286965, so the intermediary side of the arrangement is registered. The insurer that underwrites a policy is the party that carries the cover itself.

How do I get help before I buy?+

Support runs on email, phone and help centre, which covers email, phone and a help centre. You can therefore start a question in writing or pick up the phone, whichever suits the question, and the help centre holds the general information.

How do I make a claim once I have cover?+

Claims run on online and phone, so a claim can be raised online or by phone. The wider support offer of email, phone and help centre covers policy questions in the meantime, and the claim itself sits with the insurer that issued the policy.

How long has the site been trading?+

LifeDirect was founded in 2005 and is run by LifeDirect 2020 Limited, so it has a long record in the New Zealand market. That length of trading is useful context when you weigh a brokered quote against a direct insurer.

Sources

  • lifedirect.co.nz checked September 26, 2026

    Backs: Claims channels, Provider type

    “Get ongoing service and make claims online with MyLifeDirect.”

  • lifedirect.co.nz/life-insurance/life-insurance-faq.aspx checked September 26, 2026

    Backs: Pricing model, Monthly payments

    “The most common payment options are Direct Debit or Credit/Debit Card, and these are the two options available through our website.”

  • lifedirect.co.nz/our-service/about-us.aspx checked September 26, 2026

    Backs: Founded, Headquarters

    “LifeDirect launched back in 2005, as a way for New Zealanders to compare insurance prices and policies”

  • lifedirect.co.nz/our-service/contact-us.aspx checked September 26, 2026

    Backs: Support channels

    “team@lifedirect.co.nz ... 0800 800 400”

  • lifedirect.co.nz/our-service/important-information.aspx checked September 26, 2026

    Backs: Insurance types, Legal entity, Licences

    “LifeDirect and our Financial Advisers can provide information and advice to our clients about their: Life Cover, Trauma Cover, Total Permanent Disablement, Accidental Death, Income Protection,...”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

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lifeDirect

lifeDirect

Comparing several lines of personal insurance on a monthly payment basis in New Zealand

8.9/10See alternatives

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