Terms and conditions for Southern Cross Life Insurance First three months free to new Southern Cross Health Insurance members. 

1. Southern Cross Life Insurance is provided and underwritten by Chubb Life Insurance New Zealand Limited (‘Chubb Life’) and promoted and marketed by Southern Cross Insurance Services Limited (‘Southern Cross’).

2. This promotion (‘Offer’) is run by Southern Cross Insurance Services Limited, Te Kupenga, Level 1, 155 Fanshawe Street, Auckland.


3. New Southern Cross Health Insurance members who meet the Eligibility Criteria below and who apply for a Southern Cross Life Insurance policy (‘New Policy’) within 3 months of first becoming a Southern Cross Health Insurance member (the ‘Offer Period’) will receive the first three months’ of cover under the policy for free (the ‘Offer'), subject to and in accordance with these terms and conditions.


Eligibility criteria

4. Subject to the restrictions below, to be eligible for this Offer and to take out a New Policy the applicant must: (a) be a New Zealand resident; (b) be aged over 18; and (c) apply for the New Policy during the Offer Period over the phone by calling Chubb Life on the Southern Cross Life Insurance number 0800 000 200 or by receiving a phone call from Chubb Life. Applications made by other methods (including online applications through the www.southerncrosslife.co.nz website), are not eligible for the Offer 

5. Unless otherwise accepted by Chubb Life in writing (in its sole discretion) the Offer is not available to applicants who:

a. previously held a Southern Cross Life Insurance policy during the three-month period prior to becoming a Southern Cross Health Insurance member;

b. held another Southern Cross Life Insurance policy at any time during the Offer Period.

6. If Chubb Life accepts any person not meeting the Eligibility Criteria for the Offer, these terms and conditions will apply.


Offer terms and conditions

7. Southern Cross and Chubb Life accept no liability for applications that are incomplete or defective or submitted after the end of the Offer Period.

8. Except for the 10% membership discount offer and any other offer or discount Southern Cross or Chubb Life may determine (in their discretion) that you are eligible for from time to time, this Offer is not available in conjunction with any other Southern Cross Life Insurance promotion or offer.

9. The Offer will only be applied to one New Policy per applicant during the Offer Period. Where more than one New Policy is applied for by the same applicant the Offer will be applied to the first issued New Policy.

10. This Offer does not provide any person with any right to offset or to claim any deduction of any kind against Southern Cross or Chubb Life, including but not limited to any premiums or insurance claims.

11. The Offer is non-transferable and not redeemable for cash.

12. Chubb Life may accept or decline applications in its discretion. Decisions about accepting applications are solely the responsibility of Chubb Life, and Southern Cross accepts no liability for those decisions.

13. Southern Cross and Chubb Life comply with the Privacy Act 2020. Please see our privacy policy at https://life.southerncrosslife.co.nz/Life/Public/PrivacyPolicy

14. For further information on this Offer go online to www.southerncrosslife.co.nz.


Southern Cross Life Insurance is provided and underwritten by Chubb Life Insurance New Zealand Limited (‘Chubb Life’). Chubb Life underwriting criteria, terms, conditions, exclusions and limits apply. For full details of the policy terms and conditions, the policy wording may be downloaded here or call 0800 000 200 for a printed copy.