Loan Protection Insurance

Repay your National Bank Personal Loan if something unexpected happens.

Product at a Glance

National Bank Loan Protection Insurance is a simple, convenient life insurance policy that covers your National Bank Personal Loan repayments if you can't.  It's easy to arrange - you don't have to provide any medical information, as all pre-existing medical conditions are excluded.

Provided the conditions outlined in the policy document are met:

  • It will pay off your loan should you die or are diagnosed terminally ill.
  • It will pay your minimum normal monthly loan repayments for you if you’re temporarily unable to work as a result of accident or illness for the period that you are disabled.
  • If you apply for redundancy/bankruptcy cover it will pay your minimum normal monthly loan repayments if you are made redundant (or declared bankrupt if you're self employed) for the period of your redundancy or bankruptcy, up to a maximum aggregate period of 180 days.

If you have a joint loan, your partner can also be covered.

You only need to pay a single, one-off premium which can be added to your loan and there are no set-up or policy fees. There is also a 30 day free look period.

Your cover commences on the day your Personal Loan is drawn down, and we’ll send you your policy documents within a few days. If you decide within 30 days of receiving your policy documents that you don’t wish to proceed with the National Bank Loan Protection Insurance, we’ll cancel your cover and refund any premiums you’ve paid.

To apply for your Policy

When you apply for your National Bank Personal Loan, mention to your banker that you are interested in National Bank Loan Protection Insurance and we'll help you do the rest.

If you have any questions, please contact any branch of The National Bank, or call 0800 66 11 44 Monday to Friday 8 am - 8pm, or Saturday to Sunday 9am - 5pm.

This is a summary only of the policy features and benefits. For full details (including terms, conditions and exclusions) please refer to the policy document which is available through any National Bank branch. National Bank Loan Protection Insurance is underwritten by OnePath Insurance Services (NZ) Limited. No member of the ANZ National Bank Limited Group or any other person guarantees OnePath Insurance Services (NZ) Limited or any of the products issued by it.

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This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of The National Bank's financial advisers, please contact us on 0800 18 18 18.

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If you’d like to talk further about any of these options, call 0800 18 18 18, contact any branch, or e-mail us.

A copy of the Bank's Disclosure Statement under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any National Bank branch, free of charge.

You'll need Adobe Acrobat Reader to read the PDF version. If you don't have it, don't worry - it's free. Just follow this link to the Adobe site to download a copy.

The taxation treatment of Portfolio Investment Entities is covered in the Investment Statement (PDF 138KB).

* ANZ Investment Services (New Zealand) Limited is the issuer/manager of the National Bank Call Fund. The New Zealand Guardian Trust Company Limited is the Trustee of the Fund. The National Bank of New Zealand, part of ANZ National Bank Limited is the distributor of units in the Fund. Units in the Fund do not represent deposits or other liabilities of ANZ National Bank Limited. An investment in the Fund is subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, the New Zealand Guardian Trust Company Limited or any other person guarantees (either partially or fully) ANZ Investment Services (New Zealand) Limited or the capital value or performance of the Fund or any other products issued by them.

^ A copy of The National Bank KiwiSaver Scheme Investment Statement is available as a PDF at the below link, or you can request one to be sent to you by calling 0800 156 020 Guardian Trust Superannuation Trustees Limited is the issuer of The National Bank KiwiSaver Scheme, ING (NZ) Limited is the Administration and Investment Manager and The National Bank of New Zealand, part of ANZ National Bank Limited, is the Distributor. Units in the Scheme do not represent deposits or other liabilities of ANZ National Bank Limited. Units are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of ANZ National Bank Limited Group, ING Group, Guardian Trust Superannuation Trustees Limited, its parent and their respective directors or any other person guarantees or secures (either partially or fully) ING (NZ) Limited and its subsidiaries or the capital value or performance of the Scheme or any other products issued or managed by them.

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