Frequently Asked Questions

What is Mercer LifeProtect?

Mercer LifeProtect is a Life Insurance policy, underwritten by Cigna Life Insurance New Zealand Limited (Cigna) that can pay out lump sum if you die or if you are diagnosed with a terminal illness.

There is also an optional Critical Illness benefit that can pay a lump sum if you are diagnosed with one of the specified conditions (e.g. heart attack or stroke).

Premiums start from $15 per month and you can apply for cover to suit your needs and budget.

You should refer to the policy wording for full details of all terms and conditions.

Who can be covered?

Cover is available to all New Zealand residents aged between 18 and 70 at the time of application.

A New Zealand resident is someone living in New Zealand who holds a New Zealand passport, a permanent residency visa or is an Australian passport holder.

What is not covered?

You should refer to the policy wording for full details of exclusions, but here is a brief summary of situations where you will not be covered:

  • the claim is due to war, invasion, terrorism, hostilities, strike, riot and/or civil commotion, civil war, rebellion, revolution, insurrection, military or usurped power
  • if you are not completely truthfully when answering questions we ask or if you fail to provide us with any material information
  • if a claim results from suicide, attempted suicide or intentional self-injury within 13 months of the Cover Start Date or, from the date your Policy was reinstated after being cancelled.

There are additional exclusions for the Critical Illness Benefit where you will not be covered if the claim is caused by:

  • an unlawful act by you or the life insured
  • alcohol or drugs taken (unless prescribed)
  • driving a motor vehicle with a blood alcohol level in excess of the minimum legal limit.

What is involved in applying for Mercer LifeProtect?

There is a straight forward application form and where possible your application will be assessed based on the information you provide. In many instances after completing the online forms or telephone conversation, cover can be issued immediately.

Sometimes however the underwriters will need to request additional information from you or your doctor.

Should you have any questions, you can call 0508 637 237.

Will I need to have a medical examination?

Not necessarily. Sometimes it’s not needed and sometimes a doctor just needs to complete a form. However, there are two reasons why a medical examination might be requested:

  • if you have applied for a large amount of cover
  • if you have a medical condition that requires a doctor's input to make a fair assessment.

Who will pay for my medical costs?

Cigna will meet the medical costs involved if medical information has been requested from your doctor, or if a blood test or specific examination has been requested. If, however, you are already scheduled to have a specific test, or are due for a review of a medical condition which would ordinarily occur with your doctor, the cost will be your responsibility to meet.

How long does the underwriting assessment take?

The processing time for your application will depend largely on the information that you provide. If the information is complete and there are no medical issues to consider, cover may be issued within 48 hours of receipt of your application. For those applications that require more detail to evaluate, such as medical reports, it may take a few weeks. This may also depend upon how quickly you or your doctor is able to respond to questions.

How do I make a claim?

The first step in making an insurance claim is to contact Cigna directly. The team will guide you through the claims process, beginning with giving you clear information on your policy and sending out any required forms for your claim. Call free on 0508 637 237, or email

What type of information will I need to provide when making an insurance claim?

The information you need to provide when making an insurance claim will vary depending on the type of claim you are making. The claim form describes in detail the information you need to provide for your claim to be assessed.

What happens once I have returned the claim form?

Once you submit your insurance claim form, your claim will be assessed within five working days of receipt. At this point you will be notified if any additional information is required. You will be kept updated as your claim is processed, but if you have any questions you can call 0508 637 237.

How do I know if I have a valid claim?

The claims team are here to help. Call 0508 637 237 or email and they will look into your policy details and help you decide if your specific circumstances may be covered.

What is Mercer SaverProtect?

Mercer SaverProtect is a free benefit available to Mercer KiwiSaver scheme customers who take out a Mercer LifeProtect or BillProtect insurance policy.

The SaverProtect benefit will, in the case of disability or redundancy, result in $200 per month being credited to the member’s KiwiSaver account for periods of up to 6 months.

The maximum pay-out for Mercer SaverProtect is $3,600 across all policies and all eventualities, based on $200 per month and a maximum total of 18 months.

What if I’m not a Mercer KiwiSaver scheme member?

If you’re not a member, and would like to be, you can apply online at or call 0508 637 237.

What if I have questions about my Mercer KiwiSaver scheme?

If you have any questions about your Mercer KiwiSaver scheme, please call 0508 637 237 or go online at

How can I claim for SaverProtect?

The first step in making an insurance claim is to contact Cigna directly. You will be guided through the claims process, beginning with giving you clear information on your policy and sending out any required forms for your claim. Call free on 0508 637 237, or email

At any one time, you can only claim for one Mercer SaverProtect benefit of $200 per month. For example, if you have a disability and shortly thereafter are made redundant, you are unable to claim two benefits.

Similarly, if you hold a Mercer LifeProtect policy and a Mercer BillProtect policy, you cannot claim two Mercer SaverProtect benefits at the same time i.e. $400 per month.

What if I leave the Mercer KiwiSaver scheme?

If you leave the Mercer KiwiSaver scheme, you will immediately lose your Mercer SaverProtect benefit. Other cover shown on your Insurance Policy Summary will still remain in place (i.e. LifeProtect, Critical Illness cover or BillProtect), and your premiums will remain unaltered.

Will my Mercer SaverProtect benefit be affected if I am on a contribution holiday from KiwiSaver?

As long as your policy is in force, and you remain a member of the Mercer KiwiSaver Scheme, you will still be eligible to claim the Mercer SaverProtect benefit, if you have chosen to be on a contribution holiday.

What payment options are available?

You can pay for your cover by Direct Debit, Visa or MasterCard debit or credit card. Premiums can be paid fortnightly, monthly, half-yearly or annually.

Can I cancel my policy?

If you are not entirely satisfied with your policy and want to cancel it, you can do this by calling 0508 637 237.

If it is within 30 days of receiving your policy documents any premiums paid will be refunded. If it's after 30 days, there will be no refund of any premiums.

Can I reduce or increase the cover after my application has been submitted?

Yes. You can reduce or increase your requested insurance cover at any time during the assessment process. If you wish to increase cover, be aware that the process could take longer as additional information may be required.

When and how do I get my documents?

Your personalised documents will be emailed to you shortly after you buy your policy. If you haven't received them in 24 hours please call 0508 637 237. You'll need Adobe Reader to view your documents. Click here for a free copy.

What if I delete the email with all my documents?

If you accidentally delete the email, just call 0508 637 237 and the email will be resent.

Can I have a printed copy of my documents?

Sure! The documents can be printed and posted to you on request.

How do I make a complaint?

If you have a complaint we are happy to discuss it. Please call 0508 637 237 (or +61 3 8687 1886 if you are overseas), or email The Customer Service team will do their best to resolve your issue straight away. However, if they can't sort out the issue, a dedicated Customer Resolution Consultant will personally take on your case.

Also, Cigna is a member of the Insurance and Savings Ombudsman (ISO) scheme, a free, independent service which can help settle any dispute you are unable to resolve with Cigna.

Any dispute or action relating to your policy will be determined in accordance with New Zealand law.

IFSO contact details

Post P O Box 10 845
Wellington 6143
Phone 0800 888 202

Who arranges this insurance?

The Insurance is provided and underwritten by Cigna Life Insurance New Zealand Limited (Cigna). Only Cigna can approve and accept your Policy and will be responsible for administration, all claims and other matters relating to your Policy.

Mercer and its related companies do not guarantee the obligations of the insurer/underwriter, Cigna, and will not be liable if Cigna refuses to pay a claim.

Mercer receives a commission while your Policy remains in force.

Who is Cigna?

Cigna New Zealand is a leading specialist provider of insurance products and services including travel insurance, life insurance, funeral insurance, income protection insurance, accidental death insurance and critical illness insurance.

Cigna has been operating in New Zealand for nearly a century, and now protect over 295,000 New Zealanders with their insurance policies.

Cigna New Zealand is part of Cigna Corporation, a Fortune 500 insurance company and one of the world's largest publicly owned companies.

A copy of Cigna's latest financial statements is available on request.

For information about Cigna’s Financial Strength and Solvency click here