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General enquiries:

(04) 496 6800


0800 500 122

The New Zealand Police Constabulary Group Life Insurance policy recognises the risks of being a police officer by providing life, terminal illness and critical illness insurance cover. This is subsidised by New Zealand Police and subject to terms, conditions and exclusions.

Premium Rate 

$20.66 per fortnight
- Member pays $9.67 per fortnight
- NZ Police contributes $10.99 per fortnight

Who receives your life benefit?

This form allows you to nominate who your life benefit will be paid to in the event of your death and for PWF members, provides a life benefit to you, in the event of your nominee’s death. 

It is very important to have a completed and updated benefit nomination form that accurately sets out your current personal circumstances. That means if your circumstances change, fill out a new form immediately. 


Cover provided

Life or Terminal Illness Benefit

A life benefit is payable upon the insured person’s death or diagnosis of a terminal illness.

A lump sum benefit in the event of death or critical illness. This cover is administered by Police Welfare Fund Insurances Limited and underwritten by AIA New Zealand, part of the AIA Group, one of the world’s leading insurance companies.

A summary of cover is set out below. This is subject to change and you should refer to the policy wording for details of the cover provided. Any word or expression defined under the policy will have the same meaning wherever it appears here.

Critical illness benefit

A critical illness benefit is payable to the insured person who, due to their critical illness, leaves the Police under section 74 or 76 of the Policing Act 2008, providing that: 

  • before the age of 60, medical attention and/or advice on any symptom of the critical illness was sought from a medical practitioner,
  • the symptoms of the critical illness first manifested themselves after the date of joining police,
  • the critical illness is one of the defined conditions set out below:

accidental HIV infection                   

Alzheimer’s disease


benign tumour of the brain or spinal cord



chronic liver failure

chronic lung disease


coronary artery bypass surgery

critical cancer



heart attack (myocardial infarction)

heart valve surgery

intensive care treatment

kidney failure

loss of independence

loss of use of limbs / sight of one eye

major burns

major head trauma

major organ transplant

meningitis / meningococcal disease

motor neurone disease

multiple sclerosis

muscular dystrophy

open heart surgery

out of hospital cardiac arrest


Parkinson’s disease

peripheral neuropathy

permanent loss of hearing

permanent loss of speech


pulmonary arterial hypertension (primary)

significant cognitive impairment

stroke (resulting in functional loss)

surgery to the aorta

24-Hour Worldwide Cover

Available for all insured persons who normally reside in New Zealand, and for those temporarily residing overseas (subject to continued premium payment) for up to 5 years.

Benefit payable

The life benefit payable to an insured PWF member is:

Up to 55 years
• 10% of your annual salary multiplied by the number of complete years remaining until 65 years of age if this is greater than the $300,000 minimum benefit.

Between the ages of 56 and 80 years
• 10% of your Annual Salary if this is greater than the minimum benefit.

Extra Benefits for Members of the Police Welfare Fund 

PWF members are eligible for additional partner cover and psychological conditions benefits reduced to 70%  of the benefits payable to PWF members. If you are not a PWF member these extras are not available to you.

Partner Cover

PWF members can nominate a partner for partner cover. The benefit payable upon the death of a partner is 60% of the insured person’s life benefit at the time of death of the partner.

Psychological Conditions Benefit

PWF members are eligible for reasonable costs up to $1200 for rehabilitation if they leave the Police because of a psychological condition. This recognises the need to support members who suffer from these conditions. NZ Police and PWF meet these costs jointly. Full details are available from Police Welfare Fund Insurances Limited.

Term of Cover

Unless previously terminated, cover ceases for all insured persons on their 80th birthday, or the date on which a benefit is paid, or on their last day of duty in the New Zealand Police.

Download a copy of the NZ Police Constabulary Group Life Insurance brochure