Heart disease remains New Zealand’s single biggest killer. According to a recent AIA claims report, $93.5 million was paid out in heart-related insurance claims in 2025 alone — a sobering figure that underscores just how real this risk is.
What’s particularly striking is who these claims affect most. The 40 to 69 age group bears a large burden, and it’s easy to see why this matters so much. These are typically peak earning years — the stage of life where mortgages are being paid, children are being raised, and families depend heavily on a steady income.
A claim – close to home
To bring this to life, consider the story of a mother in her mid-50s working in the education sector. She was a major income earner for her family. When she passed away suddenly, the grief was immeasurable — but because she had life insurance in place, her husband was spared the added trauma of financial collapse. The death benefit paid off a significant portion of their mortgage, giving him and their adult children breathing room at the worst possible time.
It’s a powerful reminder that life insurance isn’t just paperwork or another monthly bill. It’s a promise to the people who depend on you — that if the unthinkable happens, they won’t be left struggling.
If you have a mortgage, a family, or anyone relying on your income, it’s worth taking the time to review your cover. The right protection won’t change what happens, but it can change everything that comes after.
