Questions & Answers

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Am I covered by my Police Constabulary Group Life Insurance while overseas?

If you normally reside in New Zealand, cover is 24 hours a day, seven days a week, irrespective of where you are in the world. There are some requirements/restrictions when you are temporarily residing outside of New Zealand. Please refer to the full ve ...

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Can I assign my Police Group Life Insurance cover to a financial institution as security for finance?

Yes, a bank or other financial institution can be nominated as the beneficiary of the policy proceeds. If there is any residual value (i.e. in excess of what you owe) the remainder of the proceeds are made payable to whoever is noted on your Benefit Nom ...

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Does Police Group Life Insurance have any residual value if I decide to cancel?

No, it is term cover and effectively your premium buys a sum assured. There are no maturity or surrender values. ...

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I am retiring/resigning/disengaging from the Police. What happens to my Police Group Life cover?

As your Police Group Life insurance was subsidised by the Police, your Police Group Life will cease when you leave the Police. You can transfer your cover to our Police Life Insurance Extra policy. If you do this within 60 days of your last day of dut ...

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I have completed a Benefit Nomination form - does this apply to both my Group Life insurance and my Life Insurance Extra policies?

No. As these are still two separate policies, you need to complete a nomination form for each one. Police Constabulary Group Life Insurance Benefit Nomination Form Police Employee Group Life Insurance Benefit Nomination Form ...

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If both my partner and I are police officers, how much Police Constabulary Group Life Insurance are we each covered for?

You are both covered for the amount insured under your own Policy. If your partner is a Police Welfare Fund member, you are also covered under their Partner Life Benefit. Your total amount of insurance cover is the sum of both these covers. ...

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If I claim on my critical illness cover, does my life cover remain in place?

No. Once you have claimed the Critical Illness cover on your Police Group Life policy, the remaining life insurance cover becomes void. However, if you have additional cover with Police Life Insurance Extra, that policy is not affected. Police Life In ...

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What do I need to do if my personal circumstances change (e.g. I get divorced)?

Update your details as soon as possible on a replacement Benefit Nomination Form for any of the following life cover(s) you have: ...

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What happens to my Police Constabulary Group Life Insurance cover while I’m on leave without pay or secondment?

If you are a Police Welfare Fund member you may have the option to continue your cover for up to 24 months until your return to paid employment with the New Zealand Police. It is a good idea to continue your cover if you can. If your cover is termin ...

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What is the definition of Partner under the Police Constabulary Group Life Insurance Policy?

Under the Police Constabulary Group Life Insurance Policy, a Partner is a spouse, de facto partner or civil union partner (as those terms are defined in the Property (Relationships) Act 1976).  Partner cover is only available to members of Pol ...

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What’s not covered under the Constabulary Police Group Life Insurance policy?

There are specific exclusions under the Policy where a benefit is not payable. Please refer to the full version of the Police Constabulary Group Life Insurance Policy for further details. ...

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Where will my life insurance be paid if I pass away?

Depending on the cover you have, you need to complete either a Constabulary or Police Employee Group Life Benefit Nomination form or a Life Insurance Extra Benefit nomination form and return this to us nominating the people you would like to receive you ...

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