Life insurance in New Zealand can be complicated. There are many different providers, and different cover for different situations. There are also many different variations and add-ons.
This is a challenging question to answer. Many of the best experts believe there is no one best insurer, rather there are different insurers suited to different matters or requirements.
There are many general benefits of life insurance. It is important to read the policy wording to understand what you are covered for. There are many general benefits: