Life and disability

Planning for the worst can be a difficult conversation. To make things easier, we have commission-free advisers that come to you, and are available to talk at a time that’s convenient for you.

Our Life and Disability insurance has wide-ranging benefits, meaning you’ll never need to worry about whether you’re covered or not.


  • Commission-free advisers
  • A single point of contact for claims
  • Easy to understand policies


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Life Insurance

Look after what’s important now, so you can prepare for whatever the future holds. Talk with one of our commission-free advisers and ensure your family has the financial freedom to make happy and healthy choices in the future.


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Total and Permanent Disablement Insurance

If you suffer an illness or injury that leaves you permanently unable to work, our Total and Permanent Disablement Insurance will pay a lump sum, offering the support and financial security you’ll need.


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Recovery Insurance

With illness things are never straightforward, that’s why our Recovery Insurance lets you choose how to spend the money, whether that be on medical costs, travel expenses or lost revenue.


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Income Security Insurance

Receive up to 75% of your income before you had to stop working with our Income Security Insurance. What’s more, if your return to work is a gradual one, we’ll make sure you’re covered until you’re back up and running.


“It was really convenient for us that the MAS adviser came to our house. It’s so much easier that they were able to work around our schedule.”

Katherine Reinhold, Lawyer

The MAS Difference


Consumer People's Choice

With market-leading products and a reputation for great service, our Members have voted us Consumer NZ People’s Choice insurer five years running.


Trusted by New Zealanders

Our Members tell us we're here for them when it matters most and our reputation for helping with claims has meant we now look after 37,000 Members and their families.


Zero Commission

Our advisers aren’t paid an incentive, which means they’re commission-free, and as a benefit of membership, their advice comes at no additional cost.

Important note

Please note that certain conditions and exclusions apply to benefits described on this webpage. These conditions of cover and exclusions can be found in our policy wording. If you would like to receive a printed copy of the policy wording please contact us on 0800 800 627 or email us at

Financial Strength Ratings and Solvency

This webpage is intended as an information guide only and does not form part of the policy document or any contract with MAS. This webpage does not take into account your own personal financial situation or goals. If you would like more detailed financial advice we can get one of our advisors to contact you. Normal underwriting criteria apply for all insurance products. Special conditions and/or excesses may apply to the situations that meets your specific needs.