Terms and conditions

Southern Cross Life & Living Insurance
10% Member Discount

Effective 20 November 2025

1. Southern Cross Life & Living 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 Member Discount is promoted by Southern Cross and administered by Chubb Life and Southern Cross.
3. The Member Discount is a 10% discount on the life insurance premium, excluding the policy fee, for eligible lives assured under a Southern Cross Life & Living Insurance policy. To be eligible for the Member Discount:
   1. the life assured, at the relevant time, must be covered under a health insurance policy with Southern Cross Medical Care Society, trading as Southern Cross Health Society (this includes where the life assured is covered under a policy taken out by a family member or where the policy is part of a work or an association scheme) a “Member”; and
   2. the policy owner must confirm to Chubb Life that the life assured is a Member.
   Note: all individuals covered under a Southern Cross health insurance policy will be named on a membership certificate.
4. If the life assured:
   1. is a Member but does not confirm to Chubb Life that they are at the time of applying for the Southern Cross Life & Living Insurance policy; or
   2. becomes a Member after taking out the Southern Cross Life & Living Insurance policy,
   the policy owner can contact Chubb Life to confirm that the life assured is a Member. Subject to 11. below, the Member Discount will be applied to future premiums in accordance with 7. below.
5. If the life assured is a Member but this is not confirmed to Chubb Life the Member should not expect the Member Discount to be applied to the policy.

How the Member Discount is applied

6. The Member Discount will be applied to the eligible life assured’s life insurance premium excluding the policy fee.
7. If the life assured becomes a Member after taking out a Southern Cross Life & Living Insurance policy and the policy owner confirms this to Chubb Life, the Member Discount will be applied to the policy no later than 15 business days after Chubb Life has been advised. The Member Discount will not be applied retrospectively to any premiums paid before the Member Discount is applied in accordance with this paragraph.
8. The Member Discount will be noted on the policy summary for the life assured. If the life assured is eligible for the Member Discount but it is not noted as having been applied, the policy owner should contact Chubb Life on 0800 000 200.
9. Subject to these terms and conditions, the Member Discount will continue for the duration of the life insurance policy. If the life assured ceases to be a Member, Chubb Life reserves the right to remove the Member Discount from future premiums on giving 30 days’ notice to the policy owner.

General

10. The Member Discount is non-transferable and not redeemable for cash. This Member Discount does not provide any person with any right to offset or to claim any deduction of any kind against Southern Cross or Chubb Life. 
11. Chubb Life and Southern Cross reserve the right to change or withdraw these terms and conditions at any time. If a change to these terms and conditions will impact the Member Discount already applied to a policy, Chubb Life will provide at least 30 days’ notice of the change to the policy owner.
12. Southern Cross and Chubb Life comply with the Privacy Act 2020. Please see the privacy statement for more information about how your personal information will be collected, stored, used and disclosed, and your rights to access and correct it.

Southern Cross Insurance Services Limited, Level 1, 155 Fanshawe Street, Auckland.

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Southern Cross Life Insurance
10% Member Discount

Effective 14 May 2025

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 Member Discount is promoted by Southern Cross and administered by Chubb Life and Southern Cross.
3. The Member Discount is a 10% discount on the life insurance premium, excluding any fixed rate loadings (see 6. below), for eligible lives insured under a Southern Cross Life Insurance policy. To be eligible for the Member Discount:
   1. the life insured, at the relevant time, must be covered under a health insurance policy with Southern Cross Medical Care Society, trading as Southern Cross Health Society (this includes where the life insured is covered under a policy taken out by a family member or where the policy is part of a work or an association scheme) a “Member”; and
   2. the policy owner must confirm to Chubb Life that the life insured is a Member.
   Note: all individuals covered under a Southern Cross health insurance policy will be named on a membership certificate.
4. If the life insured:
   1. is a Member but does not confirm to Chubb Life that they are at the time of applying for the Southern Cross Life Insurance policy; or
   2. becomes a Member after taking out the Southern Cross Life Insurance policy,
   the policy owner can contact Chubb Life to confirm that the life insured is a Member. Subject to 11. below, the Member Discount will be applied to future premiums in accordance with 7. below.
5. If the life insured is a Member but this is not confirmed to Chubb Life the Member should not expect the Member Discount to be applied to the policy.

How the Member Discount is applied

6. A 10% discount will be applied to the premiums for the eligible life insured. This excludes any fixed rate loadings included in that premium. A fixed rate loading is where the premium has been increased by an additional amount per $1,000 of the life cover amount (per mille) due to the life insured’s health, medical history, occupation or leisure activities.
7. If the life insured becomes a Member after taking out a Southern Cross Life Insurance policy and the policy owner confirms this to Chubb Life, the Member Discount will be applied to the policy no later than 15 business days after Chubb Life has been advised. The Member Discount will not be applied retrospectively to any premiums paid before the Member Discount is applied in accordance with this paragraph.
8. The Member Discount will be noted on the policy summary for the life insured. If the life insured is eligible for the Member Discount but it is not noted as having been applied, the policy owner should contact Chubb Life on 0800 000 200.
9. Subject to these terms and conditions, the Member Discount will continue for the duration of the life insurance policy. If the life insured ceases to be a Member, Chubb Life reserves the right to remove the Member Discount from future premiums on giving 30 days’ notice to the policy owner.

General

10. The Member Discount is non-transferable and not redeemable for cash. This Member Discount does not provide any person with any right to offset or to claim any deduction of any kind against Southern Cross or Chubb Life. 
11. Chubb Life and Southern Cross reserve the right to change or withdraw these terms and conditions at any time. If a change to these terms and conditions will impact the Member Discount already applied to a policy, Chubb Life will provide at least 30 days’ notice of the change to the policy owner.
12. Southern Cross and Chubb Life comply with the Privacy Act 2020. Please see the privacy statement for more information about how your personal information will be collected, stored, used and disclosed, and your rights to access and correct it.

Southern Cross Insurance Services Limited, Level 1, 155 Fanshawe Street, Auckland.

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Southern Cross Life & Living Insurance
10% Lifetime Reward

Effective 20 November 2025

1. Southern Cross Life & Living 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. The Lifetime Reward is an underwritten premium discount on Southern Cross Life & Living Insurance policies (“Policies/Policy”) that is assessed and administered by Chubb Life.

Eligibility

3. The Lifetime Reward is a discount on the Life Cover premium, excluding the policy fee, for eligible lives assured who:
   • take out a new Policy that is fully medically underwritten (“New Policy”), or
   • increase their Life Cover sum insured on an existing Policy, where the increase is fully medically underwritten (“Increase”).
4. Eligible lives assured are applicants who, at the time of applying for the New Policy or Increase, truthfully disclose:
   • their height and weight measurements to support Chubb Life’s calculation of their BMI measurement as being between 18.5 and 24.99, or such other measurements as notified or promoted from time to time, and
   • that they are a ‘non-smoker’. A ‘non-smoker’ is someone who hasn’t smoked tobacco or marijuana or used any nicotine replacement including vaping/e-cigarettes, nicotine gum, chewing tobacco or patches in the last 12 months.
5. Eligibility for the Lifetime Reward is assessed by Chubb Life in its discretion solely based on information truthfully disclosed in the relevant application, unless Chubb Life requests and receives updated relevant information while assessing an application, in which case Chubb Life may assess eligibility based on that updated information. Other information will not be considered.

How the Lifetime Reward is applied

6. The Lifetime Reward:
   • is applied as a 10% discount or such other discount rate as notified or promoted by Chubb Life from time to time. The discount rate applied to any New Policy or Increase will be shown in the applicable policy schedule or other policy documentation.
   • is applied only to the premium for the eligible life assured’s Life Cover (after any other discounts have been applied). Policy fees are excluded.
   • applies for the duration of the Policy in relation to the amount of Life Cover issued pursuant to the relevant application (the “Eligible Cover Amount”). Future increases to the Eligible Cover Amount are not eligible unless the Policy wording terms and conditions relevant to the increase require otherwise. However, if Chubb Life is offering a Lifetime Reward at that time you may be eligible if you meet the eligibility criteria and any other terms and conditions at that time.
   • is subject to underwriting, and only available on Policies and amounts of cover that Chubb Life confirms are eligible for it.
7. The Lifetime Reward will not be applied to a Policy or an Increase if the life assured was not eligible at the time of the relevant application if they subsequently meet the eligibility criteria. It will not be applied retrospectively to any Policy or Increase (in relation to past or future premiums), and Chubb Life will not be liable in any way to any person for failure to apply a Lifetime Reward to any Policy.

General

8. Applications are subject to Chubb Life’s usual acceptance and underwriting criteria. Chubb Life accepts no responsibility for any delay in the underwriting or assessment of any application.
9. The Lifetime Reward cannot be combined with any other discount, promotion or offer, unless Chubb Life determines otherwise (in its discretion).
10. The Lifetime Reward is non-transferable and not redeemable for cash, and it does not provide any person with any right to off-set or to claim any deduction of any kind against Chubb Life or Southern Cross.
11. Southern Cross and Chubb Life reserves the right to change these terms and conditions, and to remove the Lifetime Reward offer at any time. Any change will not affect the Lifetime Reward already applied to a Policy but may affect eligibility for future changes to the Policy.

Southern Cross Insurance Services Limited, Level 1, 155 Fanshawe Street, Auckland.

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