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Accidental Death Insurance

Talk to an Adviser about Accidental Death Insurance. They can:

Find the best products for your budget and needs

Provide customised advice and keep your insurance up-to-date

Offer a range of products from different insurers, as they are not Asteron Life employees

What is Accidental Death Insurance? 

Accidental Death Insurance pays a lump sum of money if you pass away as a result of an accident. This cover is designed to help your family pay costs that you would have helped with if you were still alive.

Most people use Accidental Death Insurance for:

  • Paying off the mortgage or other debt
  • Providing extra income for their family after they've gone
  • Paying for childcare support if the person who passed away was the primary caregiver
  • Paying funeral expenses


Accidental Death Insurance benefits

Death benefit

Your family or nominated beneficiaries will receive a lump sum of money if you pass away in an accident.

Financial planning

We will pay for your family to receive professional advice from an approved financial planner. This can help your family plan the most effective way to use the money they will receive.

Grief support

We will help a loved one with the cost of counselling from a professional counsellor during the grieving process.

Optional benefits you can choose to include:
Other types of cover

If you are looking for an insurance policy that provides a nest egg for your family in the event of your death you should also consider Life insurance. This policy covers death resulting from illness as well as an accident.


Talking to an adviser will help you focus on what’s important to you, and it's even more effective with a little preparation.

Use our handy LifeSnap tool to prepare for your conversation with an adviser so you don't have to think on your feet!

A typically busy Kiwi mum and business owner, Pam's life changed overnight. Read how Life Insurance and Income Protection made a difference.

Ready to speak to an adviser?

If you would like to know more about Accidental Death Insurance we can put you in touch with an adviser who can explain the different options available.

Speak to an Adviser

Frequently asked questions

Why would someone buy this type of cover?

Not everyone can take out full life insurance and if they have medical problems this can provide them with some cover and peace of mind.  It could also just be the cover that better suits their budget.

Will it pay out if I die by doing something dangerous?

We won’t pay out if you die as a result of any self-inflicted act. Put simply, we’ll pay out if something happens while skydiving and there’s a malfunction with your parachute. But we won’t pay out if you go skydiving without a parachute. There may also be exclusions or limitations if you regularly undertake dangerous activities. A financial adviser can discuss these with you.

Disclaimer: The information provided above is for general information only, it is not financial advice or personalised to your situation. If you would like advice that takes account of your particular situation, please contact your financial adviser. Full details of policy terms and conditions are available from Asteron Life Limited or your financial adviser. Terms, conditions, exclusions and limits apply. If there are differences between the information provided here and the policy document, then the policy document will prevail. Asteron Life Limited and its related companies do not accept any liability in connection with the information provided.