If being an adult has taught me anything, it’s that life doesn’t go as planned. That’s why everyone in our family decided to get life insurance. 

It’s not because we’re expecting the worst, but because it gives us peace of mind and helps us feel more prepared.

That said, finding the right life insurance provider can be a bit overwhelming. But don’t worry, you don’t have to start from scratch.

We’ve already gone through the process of researching and comparing options. We’ve put together a list of companies that can help you get the best life insurance services in Christchurch. 

If you’re ready to feel more secure about the future, just keep reading.

1. Lifestyle Solutions

It really stood out to us how Lifestyle Solutions tailors their life insurance plans to each client’s situation. This approach is a plus, especially since other providers often offer more generic policies.

We liked some of the extras they include, like letting people access part of their payout early to help with funeral costs or if someone is diagnosed with a terminal illness. That kind of support can be a real lifesaver during tough times.

We also noticed that they bundle their life insurance with things like trauma coverage, income protection, and mortgage insurance. 

When it comes to service, they seem to really care about being clear and helpful. One client mentioned how their advisor, Jose, was super patient and took the time to explain all the tricky details without rushing.

If we had to point out something to improve, it’d be their accessibility. Right now, most of their meetings and support happen during regular office hours and are usually in person.

Adding things like video calls or an easy online portal would make things way more convenient, especially for busy people. 

Knowledgeable, patient, and genuinely cared 

“I’m incredibly impressed with the service from Lifestyle Solutions. Joe was knowledgeable, patient, and genuinely cared about finding the best insurance plan for my situation. He made the entire process stress-free and ensured I had the right coverage without any unnecessary extras. Their professionalism and customer focus truly set them apart. If you’re looking for an insurance broker who puts your needs first, I highly recommend them!”

Khushhal Sehgal, Google review

I was very happy with the solution that he suggested

“I was lucky enough to have Jose review some of my personal insurance. He explained everything very well, and I found him to be thorough. And I was very happy with the solution that he suggested. I was also very appreciative of the time that he spent working through my requirements and applications with me. Thank you for the great service.”

Rhonda Easton, Google review

2. Optimalife

We really loved how Optimalife doesn’t treat life insurance as just one thing. Instead of selling a single policy, they combine it with other types of protection like income cover, trauma insurance, and even mortgage protection. 

This setup is super helpful for families or anyone managing a lot of financial responsibilities at once.

We also liked how personal and flexible their approach is. Unlike other companies that push everyone into the same policy, they take the time to understand each of their clients’ circumstances before recommending anything.

From what we gathered, it sounds like they really mean it. Clients consistently said their plans felt custom-built, which is great if your life is in a bit of a complicated phase.

That said, we did notice a few mentions of slow customer service, especially when it came to getting advice on policies. 

Since Dave seems to be the only advisor there, it makes sense. If he’s spending a lot of time helping each client individually, things might move a bit slower. But it also shows they’re not rushing anyone through the process. 

Dave was genuine and took the time to assist with all steps in the process

“Thanks, Dave, for your work, would highly recommend to others. Dave was genuine and took the time to assist with all steps in the process. He helped us to understand the options, and we feel confident with our insurance now. It’s great to know we can contact him at any point with further questions.”

Libby King, Google review

Very approachable and only wants the best for you

“Great place to get sorted with your insurance. Dave is great to deal with, very approachable and only wants the best for you. Would not hesitate to recommend.”

Alana Harper, Google review

3. Amicus

Amicus’ team is the first thing that impressed us. Most of their advisers have proper qualifications, like the NZ Certificate in Financial Services Level 5. They’ve also been around long enough to handle more complicated situations.

Another thing we liked is that they’re not tied to one insurance company. Their advisers can compare options from different providers, so you’re more likely to get something that actually suits your needs and budget.

The whole process is also personal. They don’t just ask a few basic questions. Instead, they understand your lifestyle, goals, and concerns before recommending anything.

Several people we spoke with mentioned how their adviser remembered specific life events, like a new baby or a job change, and followed up proactively.

Of course, this kind of personalised service can take a bit longer. So if you’re after something super fast or fully online, Amicus might not be the best fit. 

We also liked that they cover more than just basic life insurance. You can also get trauma cover, disability cover, and even mortgage protection.

They bundle this in a way that avoids gaps or double-ups in your cover. Plus, they also include free trauma cover for kids, which not all providers do.

Great service!

“Knowledge and process are world-class. Make sure you get Amicus to review your position before making a decision. Great service, thank you George and team.”

Jeremy K., Google review

A great team to work with

“Received good financial advice in an easy-to-understand format. All around, a great team to work with who we know will look after our needs for the future.”

Pay Boyle, Google review

4. Insurance Market Agile

One of Insurance Market Agile’s biggest strengths is its access to a wide range of insurers. They can pull options from New Zealand’s biggest panel of life insurance providers.

It means better chances of finding cover that suits you better. It also gives their advisers more flexibility to recommend what’s genuinely best for you.

We were especially impressed by Cherie Chen, one of their advisers. She’s a certified financial planner, and clients told us she really takes the time to explain things clearly.

One couple even mentioned how she worked around their busy schedule and patiently walked them through everything. 

They’re also connected with Loan Market Agile. If you’re sorting out a mortgage, it’s helpful to have your insurance tied into the bigger picture. 

That said, if you already have your mortgage sorted elsewhere or prefer to keep things separate, this setup might feel a bit too bundled. 

She found a solution that suits my needs and budget

“Cherie Chen is a fantastic insurance advisor. She patiently explained all my options, helped me understand life insurance and health cover, and found a solution that suits my needs and budget. No pressure, just honest and professional advice. Highly recommend!”

David Shen, Google review

The timing and space to understand everything were perfect

“Shane was very supportive and provided clear guidance throughout the entire process. I wasn’t familiar with how income protection works, but she explained all the details without rushing me to sign a contract. The timing and space to understand everything were perfect.”

Miki Matsuo, Google review

5. Adelphi Insurance Brokers

What makes Adelphi Insurance Brokers unique among the other companies we’ve looked into is how they help with claims. 

Instead of leaving you to deal with the insurance company by yourself, they actually step in and help manage that process. It’s a big deal, especially during stressful times when you’re already dealing with a health issue or a family emergency.

Their approach is very personalised. They take note of your family setup, lifestyle, and future plans before recommending anything. 

It might take a bit of time, though. A few people mentioned the process wasn’t super quick and there’s a lot of back-and-forth in the early stages. 

So if you’re after instant coverage, they might not be the fastest option. But if you’re looking for something that really fits your life, it’s worth the wait.

We also liked how broad their insurance options are. Aside from life cover, they also offer income protection, trauma cover, and permanent disability insurance. You can mix and match what you need, which keeps things flexible.

Just a heads up, though: some policies have waiting periods or specific exclusions, so it’s worth going through the details carefully.

They went above and beyond, making the process so much easier

“I’ve dealt with Ryan and more recently Bryn for income protection insurance claims, and they’ve both been incredibly helpful. During a difficult time, they went above and beyond, making the process so much easier. I can’t recommend Adelphi enough.”

Shivann Ramaekers, Google review

Provides clear comparisons and competitive rates

“I cannot recommend Andrew Wilkinson at Aldephi enough. Always on top when it comes to making the most from my Kiwisaver. I have never seen my Kiwisaver perform anwhere close to what it does now since I have made the change. He also provides clear comparisons and competitive rates for health insurance.”

Braden Simmonds, Google review

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