How our Life Insurance works


QuickCover is a straight forward life insurance policy that pays out a lump sum on your death or if you are diagnosed with a terminal illness (terminal illness is defined as a condition that is expected to cause death within 12 months). There are no expensive frills - just simple cover that's easy to arrange.

Guaranteed acceptance

Anyone aged 21 to 60 can get QuickCover. Acceptance is guaranteed regardless of your medical history and any medical conditions* you already have will be covered after the initial three year period. Once your policy is in place, cover can continue until age 65 and we offer preferential terms for cover after that.

* A few conditions are permanently excluded.

Two-step cover

Because your acceptance is guaranteed, cover is provided in two stages.
For the first three years you are not covered for any conditions you already have but you are covered for accidents and any new conditions that may develop during this time. After three years you are covered for new and existing conditions, although a few conditions are permanently excluded.

This two-step approach means cover can be provided to everyone without having to ask a lot of medical or lifestyle questions.

Up to $200,000 cover

You choose the amount of cover you want, from $50,000 to $200,000 (or any amount in between), subject to a minimum premium of $10 per month. The premium you pay is based on your age, gender and whether or not you smoke.

Premiums generally increase each year in line with your age. If you prefer not to pay more, when the time comes you'll be given the option to freeze your premiums instead. This means you will continue to pay the same amount but your cover will reduce each year.

What isn't covered?

The only events not covered are death or terminal illness caused by:

  • an existing injury, illness or degenerative condition, suicide or intentional self harm occurring in the first three years
  • HIV, AIDS or any related condition
  • The use of alcohol or non-prescribed drugs
  • War or warlike operations

These exclusions are detailed in full in the policy document.

Who the money is paid to

The proceeds of your policy will be paid to your estate to be distributed according to your will or by your executors. You can assign ownership of the policy to someone else if you wish, and any money will be paid directly to them. But this can only be done after the policy has been issued.

From age 65

Life insurance can get pretty expensive once you reach your 60's and many people don't require as much cover once the family is grown. So we'll give you the opportunity to switch to the Greenwich Funeral Plan policy at age 65, with preferential terms for existing policyholders. Or you can request this earlier if your policy is at least three years old. The Funeral Plan's usual 2 year 'accident only' period will be waived, giving you full cover straight away. Learn more about the Greenwich Funeral Plan.

Money back guarantee

You can buy online or over the phone. You'll be sent a policy document within a few days and if you then decide the cover isn't exactly what you want, you can cancel the policy within the first 30 days and any premiums paid will be refunded in full.

Next steps


  • Call 0800 666 004 for more information
  • Get a life insurance quote from our calculator
  • Buy online now


$50 Prezzy® card

How it works

  1. Purchase a QuickCover policy online.
  2. Pay your first three monthly premiums when due (or one quarterly or annual premium instalment).
  3. We will then send you a $50 Prezzy® card to enjoy.

Terms and Conditions