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KiwiSaver

Make saving for your first home or retirement easy

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Apply for life insurance – cover from $20k to $2m

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Booster SmartCover

Booster’s SmartCover life insurance is for those who want extensive but affordable life and terminal illness cover.

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Extensive but affordable

Booster SmartCover aims to provide the essential features in a cost-effective manner over the life of the policy. 

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Life and terminal illness cover

Pays a lumpsum between $200,000 and $2 million, based on your cover, should you die or are diagnosed with a terminal illness and have less than 12 months to live, depending on the cover amount of the policy.

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Optional accelerated trauma and critical illness*

Pays a lumpsum between $25,000 and $500,000, based on your cover if you are diagnosed with any of the listed illnesses.

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Optional accelerated total and permanent disability*

Pays a lumpsum between $25,000 and $500,000, based on your cover if you aren't able to work again due to illness or injury, or are totally and permanently unable to perform at least two of the Activities of Daily Living without the assistance of an adult.

*The total sum insured of trauma and critical Illness cover (TCI), and total and permanent disability cover (TDP) cannot exceed the life cover sum insured or $500,000, whichever is lower. These options are ‘accelerated’ which means that the Life Cover amount and premium will be reduced on successful payment of a TPD and/or TCI claim

What you get with Booster SmartCover

Flexibility With up to $2m in cover and optional extras, you can choose a level of cover to meet your needs. And if your circumstances change, you may be able to boost your cover with a special events increase.
Special events increase Eligible policy owners can purchase additional cover without having to answer more questions about your health for special events such as birth or adoption, purchasing a new home, marrying or separation, or death of a spouse.
Early payment of full life cover for terminal illness

Receive the full life cover benefit early if you are diagnosed with a terminal illness and have less than 12 months to live.
Immediate end of life payment Your family receives an immediate payment of $15,000 in advance of the full life cover payment in the event of your death. This payment will reduce the life cover by the amount paid.
Grief counselling support You or your family receive $2,500 for specialist grief counselling services if you are diagnosed with a terminal illness or die.
Child’s death expenses To help with funeral expenses for the child of the insured, receive $2,000 if they were under the age of 10 or $5,000 if they were between 10 and 18.
Financial advice and support At the time of a life or terminal illness claim, a financial adviser will provide additional support, including financial and investment advice at no cost. 
Optional trauma and critical illness cover Receive a lump sum payment of up to $500,000 if you are diagnosed with a listed trauma or critical illness condition. 
Optional total and permanent disability Receive a lump sum payment of up to $500, 000 if you are unable to work due to illness or injury or you become totally and permanently unable to perform at least two of the specified activities of daily living without the help of an adult.

The information above provides a summary of key product features of the Booster SmartCover Insurance Product. For full details of the terms and conditions, meanings, exclusions and eligibility, please refer to the Booster SmartCover Policy Document. The terms within the Policy Document will override any information provided on this website that is found to be inconsistent with the Policy Document.

How to apply

Talk to your financial adviser today about Booster SmartCover. If you don’t have a financial adviser, we can put you in contact with an accredited independent financial adviser to help you.

Apply through an Adviser
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Read more about Booster SmartCover

We're here to help

Taking the first steps towards your financial future can be overwhelming. But it doesn’t have to be with us.
*Booster SmartCover is issued by Booster Assurance Limited, an insurer licensed by the Reserve Bank of New Zealand. Booster Assurance Limited is a wholly owned subsidiary of Booster Financial Services Limited.