Insurance

Income Protection

How Does Income Protection Work for High-Income Earners in New Zealand?

Higher earners have more to protect and some specifics to watch with income protection: benefit caps, how income is defi…

Life Insurance

Should Your Life Insurance Be Owned by a Trust?

Some New Zealanders have their life insurance owned by a trust so a payout can be directed and protected. Here is what t…

Insurance

Do I Need Income Protection if I Already Have ACC?

How ACC and income protection differ in New Zealand, and the gap many working Kiwis look to income protection to fill.

Mortgage

How Much Life and Income Cover Do You Need With a Large Mortgage?

A bigger mortgage changes the maths on how much cover makes sense. Here is how to protect a large home loan without over…

Insurance

Is Private Health Insurance Worth It in New Zealand?

A plain-English look at what health insurance adds in New Zealand alongside the public system, and the factors people we…

Insurance

Life, Trauma, TPD or Income Protection: What's the Difference?

A clear, plain-English explanation of how life, trauma, TPD and income protection cover differ in New Zealand, and how t…

Insurance

How Much Life Insurance Do I Need in New Zealand?

A plain-English guide to working out how much life insurance you might need in New Zealand, and the factors that change…

Insurance

Do You Still Need Insurance if You're Financially Well Off?

If you have significant savings or assets, you may be able to carry some risks yourself. Here is how to think about whic…

Insurance

Do I Need Life Insurance if I'm Single With No Kids?

Whether single New Zealanders with no dependants need life insurance, and the situations where cover can still be releva…

Trauma Insurance

How Much Trauma (Critical Illness) Cover Do You Actually Need?

Trauma cover pays a lump sum if you are diagnosed with a serious illness. There is no single right amount — here is a pr…

KiwiSaver

What Happens to My KiwiSaver and Insurance When I Change Jobs?

What happens to your KiwiSaver and your insurance when you change jobs in New Zealand, and the cover that does not follo…

Income Protection

Agreed Value vs Indemnity Income Protection: What's the Difference?

Agreed value and indemnity income protection calculate your benefit differently. Here is what separates them, and why it…

Business Insurance

What Is Key Person Insurance and Does Your Business Need It?

If your business would struggle without one particular person, key person insurance can help absorb the financial shock.…

Insurance

Level vs Stepped Premiums

Compare stepped and level life insurance premiums in NZ and find out which suits your long-term goals, and how to conver…

Insurance

Why Do My Insurance Premiums Go Up Each Year?

Wondering why your insurance premiums go up every year? Here's a clear breakdown of CPI increases, age-based pricing, an…

Insurance

Should I Keep Paying My Trauma Cover in My 50s?

Thinking of cancelling trauma cover in your 50s? See why this might be your most crucial time to keep it.

Insurance

Life Insurance: The Most Overlooked Asset in Your Entire Portfolio

Life insurance isn’t just protection, it’s one of the most valuable assets you own. Here’s why it’s worth holding on to.

Estate Planning

How Does Life Insurance Fit Into Estate Planning?

Life insurance can provide liquidity and certainty in an estate plan. Here is how it interacts with wills, trusts and be…

Insurance

The Price of a Second Chance – What Nigel Latta’s Cancer Battle Tells Us About Health, Hope, and Insurance

Nigel Latta’s cancer battle highlights how private insurance helped fund lifesaving cancer drugs. Here's what Kiwis shou…

Insurance

Breakups & Insurance: What Happens to Your Policy After a Divorce or Separation?

Divorce or separation can impact your insurance. Learn what changes you need to make to protect yourself and your financ…

Finance

Love & Money: How to Protect Your Partner Financially

Protect your partner financially with smart joint finance decisions and life insurance. Learn how to secure your future…

Insurance

Top 10 Questions Kiwis Have About Mortgage Cover

Thinking about mortgage protection insurance? Here are the top 10 questions Kiwis ask about cover, exclusions, and how i…

Insurance

Top 10 Questions About Trauma Insurance

Get answers to the top 10 questions about trauma insurance, from coverage details to payout flexibility. Find out if it’…

Insurance

Top 10 Questions Kiwis Have About Income Protection Cover

Curious about income protection cover? Get answers to the top 10 questions Kiwis ask about this essential financial safe…

Insurance

ACC Levy Increases Proposed: What You Need to Know

ACC has proposed levy increases for workers, businesses, and motorists. Learn what the changes mean and when they could…

Insurance

How to Get the Best Income Protection Insurance Rates

Discover how to get the best income protection insurance rates in New Zealand with these expert tips. Learn how lifestyl…

Insurance

The Pros and Cons of Workplace Group Scheme Life Insurance in New Zealand

Explore the pros and cons of employer-provided life insurance in New Zealand. Learn about coverage limitations and optio…

Insurance

Common Myths About Health Insurance in New Zealand

Debunking common myths about health insurance in New Zealand, and understanding how private cover complements public hea…

Insurance

Income Protection for High-Risk Occupations in New Zealand

Learn how income protection insurance can safeguard New Zealanders working in high-risk occupations. Get tips for choosi…

Insurance

ACC vs. Income Protection: What’s the Difference?

Understand the differences between ACC and income protection insurance in New Zealand. Learn which cover suits your fina…

Insurance

Top 10 Questions Kiwis Ask About Life Insurance

Discover the top 10 questions Kiwis ask about life insurance and learn what to consider when choosing the right cover fo…

Insurance

Why New Zealanders Should Consider Trauma Insurance

Discover why trauma insurance is essential for New Zealanders. Learn how it offers financial protection during serious i…

Insurance

Do You Need Both ACC and Private Health Insurance?

Learn whether you need both ACC and private health insurance in NZ. Understand their roles and how they can provide comp…

Insurance

What Happens If You Don’t Have Life Insurance When You Need It?

Not having life insurance when you need it can burden your loved ones financially. Learn what can happen and how to avoi…

Insurance

Why Life Insurance Premiums Increase With Age (And What to Do About It)

Discover why life insurance premiums rise with age and learn strategies to manage costs while securing the right coverag…

Insurance

Get Outdoors this Summer: Protect Yourself with Accidental Injury Cover

Get outdoors this summer but don’t forget accidental injury cover! Protect yourself financially from unexpected injuries…

Insurance

Income Protection for Freelancers and Sole Traders: How Much Cover Do You Really Need?

Learn how much income protection cover freelancers and sole traders need, and how to calculate the right level of cover…

Insurance

Income Protection Tips for Kiwis: Safeguarding Your Financial Future

Learn key income protection tips for Kiwis, from reviewing your policy to staying on top of premiums, and safeguard your…

Insurance

The Difference Between Trauma Insurance and Accidental Injury Cover

Learn the key differences between trauma insurance for serious health conditions and accidental injury cover for specifi…

Insurance

The True Cost of Being Underinsured

Learn about the hidden costs of being underinsured in New Zealand, and why it's essential to have the right life, trauma…

Finance

What Are the Benefits of Permanent Disability Insurance for New Zealanders?

Learn about the key benefits of Permanent Disability Insurance in New Zealand, from financial security to protecting ret…

Insurance

How Side Hustles Are Changing Insurance Needs in New Zealand

If you’ve started a side hustle, it’s time to review your insurance cover. Learn how side jobs can impact income protect…

Insurance

BMI Calculator: Why BMI Matters for Your Insurance

Use our BMI calculator to check your BMI and learn how it impacts your health and insurance in New Zealand.

Insurance

What you need to know: Southern Cross Annual Report 2024

Southern Cross's 2024 Annual Report highlights a surge in claims, growing membership, and an $88m deficit, reflecting pr…

Insurance

How Does Trauma Insurance Work in NZ?

Learn how trauma insurance in New Zealand provides financial support with a lump sum payment after a serious illness dia…

Kids

Why September is the most common birth month for Kiwis

September is the most common birth month for Kiwis! Discover why having a baby is the perfect time to review your insura…

Health

Women's Health in Focus

In Aotearoa we pride ourselves on the strength and resilience of our communities, particularly the women who play such p…

Insurance

When should you write a will?

Perhaps writing a will is sitting at the top of your to-do list, but you never quite get round to ticking it off. There…

Health

Insurance can help parents facing mental health concerns

Insurance can play a part in helping families navigate increasing mental health concerns, says nib chief medical officer…

Health

Southern Cross posts $16.5m annual loss as it capped premium prices

The Southern Cross Health Society says it made a $16.5 million net loss for the year ended June