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At Resolution Life, our priority is to support our customers and their families in their time of need. 

It’s important to know the type of cover you have and how much you’re covered for. Learn more about the types of cover we offer and what else you need to consider when reviewing your insurance.  
 

Claims summary  

We manage a wide range of claims, based on the variety of products and customers policies.  
 

Summary of Resolution Life’s insurance claims 

Summary of Resolution Life's overall insurance claims. Paid trauma claims is 34%. Paid death and terminal illness claims is 73%. Paid Income protection claims paid is 17%. Paid trauma claims is 9% and paid total and permanent disablement claims is 1%.

Our claim's philosophy  

At Resolution Life, we are committed to being there for our customers to help them when they need us most.  

Our approach to claims is to support our customers, be transparent and caring throughout your claims journey, ensuring you feel guided and supported at every step of the way.  

Learn more on how to make a claim with us and what to expect throughout the process in lodging a claim.  
 

How much do we pay in claims?  

In 2024, Resolution Life paid out $211m to over 3,115 customers. With 87% of these customers being 50 years or older.  

In 2024, Resolution Life paid out $155m to over 2,141 customers, which equals $424,229 paid every day. 
 

Summary of life insurance claims

Summary of life insurance claims paid. Cancer – other 26%. Cancer – bowel 7%. Cancer breast 2%. Cancer – melanoma 2%. Heart attack, stroke and other circulatory diseases 26%. Respiratory system disease 14%. Nervous system disease 10%. Accidents and injuries 4%. Reproductive and urinary system disease 3% and Other claim types is 6%. This equals 100%.

 

Life insurance claims: males vs females

 

Comparing life insurance claims against males and females. The top six claim types for males are 29% for heart attack, stroke and other circulatory diseases. 19% cancer – other. 16% respiratory system disease. 11% nervous system disease. 6% cancer – bowel and 4% accidents and injuries. The top six claim types for females are 32% cancer – other. 14% heart attack, stroke and other circulatory diseases. 9% cancer – breast. 9%respiratory system disease. 9% nervous system disease and 9% cancer – bowel. In 2024, 85% of males had a claim in the top six categories. We also had 82% of females with claims in the top six categories.

 

In 2024, the largest payout for life insurance claims for Resolution Life was ‘Cancer – other’ making up 28% of the total. This category includes cancers such as Leukemia and brain tumour.

In 2024, Resolution Life paid out $18m to over 196 customers, which equals $48,990 paid every day.  
 

Summary of trauma claims

Summary of trauma claims paid. Cancer – other 44%. Cancer – breast 15%. Cancer – bowel 5%. Cancer – prostate 9%. Heart attack, stroke and other circulatory disease 18% and nervous system disease is 9%.

 

Trauma claims: males vs females

Comparing trauma claims against males and females. The top five claim types for males is 27% heart attack, stroke and other circulatory diseases. 20% cancer – bowel. 18% cancer – other. 14% cancer – prostate and 9% nervous system disease. The top five claim types for females is 33% cancer – other. 32% cancer – breast. 12% cancer – bowel. 9% nervous system disease and 5 % heart attack, stroke and other circulatory diseases. In 2024, 88% of males had a claim in the top five categories. We also had 91% of females with claims in the top five categories.

 

In 2024, the largest payout for trauma insurance claims for Resolution Life was ‘Cancer-other’ making up 48% of the total. This category includes cancers such as malignant and pancreas.

In 2024, Resolution Life paid out $35m to over 773 customers, which equals $96,684 paid every day. 
 

Summary of income protection claims

Summary of income protection claims paid. Cancer – other 15%. Cancer – breast 6%. Cancer – bowel 4%. Mental health disorders 18%. Other claim types is 15%. Nervous system disease 13%. Musculoskeletal 10%. Accidents and injuries 10%. Heart attack, stroke and other circulatory diseases 9%. This equals 100%.

 

Income protection claims: males vs females

 

Comparing income protection claims against males and females. The top six claim types for males is mental health disorders 19%. Nervous system disease 13%. Cancer – other 12%. Accidents and injuries 12%. Heart attack, stroke and other circulatory diseases 11% and Musculoskeletal is 10%. The top six claim types for females is mental health disorder 17%. Cancer – other 13%. Nervous system disease 13%. Cancer – breast 12%. Musculoskeletal is 8% and Accidents and injuries is 6%. In 2024, 77% of males had a claim in the top six categories. We also had 69% of females with claims in the top six categories.`

 

In 2024, the largest payout for income protection claims for Resolution Life was ‘mental health disorders’ making up 18% of the total. 

In 2023, 26% of the population in New Zealand experienced poor mental wellbeing4. This statistic is even more significant among women, with 31% reporting poor mental wellbeing compared to 22% of men5. These figures highlight the critical need for mental health support and resources to address this growing issue. 

4Wellbeing statistics: 2023 | Stats NZ heading Mental wellbeing lower among women than men.  
5Wellbeing statistics: 2023 | Stats NZ heading Mental wellbeing lower among women than men.  

Important information

The content of this website is for information only, it does not contain any financial advice or other professional advice or make any recommendations about a financial product or service being right for you.  The information provided by Resolution Life Australasia Limited ABN 84 079 300 379, NZ Company No. 281363, AFSL No. 233671 (Resolution Life), is of a general nature and does not take into account your objectives, financial situation or needs. Before taking any action, you should always seek financial advice or other professional advice relevant to your objectives, financial situation and needs, as well as consider the policy document for the product. Any guarantee offered in the product is only provided by Resolution Life.

Resolution Life does not make any representation or warranty as to the accuracy, reliability or completeness of material on this website nor accepts any liability or responsibility for any acts or decisions based on such information.

Resolution Life can be contacted at resolutionlife.co.nz/contact-us or by calling 0800 808 267.