https://pricemilne.com/blog/ Independent New Zealand insurance and KiwiSaver advice: life, trauma, income protection, mortgage cover, health, and KiwiSaver. en-nz hello@pricemilne.com (Lewis Price-Milne) 2026 Price-Milne Financial Services https://pricemilne.com/post/can-i-use-my-kiwisaver-to-buy-my-first-home/ https://pricemilne.com/post/can-i-use-my-kiwisaver-to-buy-my-first-home/ 2026-06-16T00:00:00.000Z How KiwiSaver can help New Zealanders buy a first home: who is eligible, how a first-home withdrawal works, and what to check before you commit. KiwiSaver Money https://pricemilne.com/post/is-kiwisaver-enough-to-retire-on-a-high-income/ https://pricemilne.com/post/is-kiwisaver-enough-to-retire-on-a-high-income/ 2026-06-09T00:00:00.000Z KiwiSaver is a strong foundation, but higher earners often find it replaces only part of the lifestyle they are used to. Here is how to think about the gap. KiwiSaver Money https://pricemilne.com/post/how-do-i-choose-the-right-kiwisaver-fund/ https://pricemilne.com/post/how-do-i-choose-the-right-kiwisaver-fund/ 2026-05-19T00:00:00.000Z A plain-English look at how New Zealanders can choose a KiwiSaver fund type, based on their timeframe and comfort with risk. KiwiSaver Finance https://pricemilne.com/post/income-protection-for-high-income-earners-nz/ https://pricemilne.com/post/income-protection-for-high-income-earners-nz/ 2026-04-28T00:00:00.000Z Higher earners have more to protect and some specifics to watch with income protection: benefit caps, how income is defined, and whether to hold cover personally or through a business. Income Protection Insurance https://pricemilne.com/post/how-much-should-i-contribute-to-kiwisaver/ https://pricemilne.com/post/how-much-should-i-contribute-to-kiwisaver/ 2026-04-14T00:00:00.000Z A plain-English guide to KiwiSaver contributions in New Zealand: your options, how employer and government contributions work, and how to think about your rate. KiwiSaver Money https://pricemilne.com/post/should-your-life-insurance-be-owned-by-a-trust/ https://pricemilne.com/post/should-your-life-insurance-be-owned-by-a-trust/ 2026-03-31T00:00:00.000Z Some New Zealanders have their life insurance owned by a trust so a payout can be directed and protected. Here is what that means, and why it is a decision to make with legal advice. Life Insurance Insurance https://pricemilne.com/post/do-i-need-income-protection-if-i-have-acc/ https://pricemilne.com/post/do-i-need-income-protection-if-i-have-acc/ 2026-03-17T00:00:00.000Z How ACC and income protection differ in New Zealand, and the gap many working Kiwis look to income protection to fill. Insurance Money https://pricemilne.com/post/how-much-cover-with-a-large-mortgage/ https://pricemilne.com/post/how-much-cover-with-a-large-mortgage/ 2026-02-24T00:00:00.000Z A bigger mortgage changes the maths on how much cover makes sense. Here is how to protect a large home loan without over-insuring. Mortgage Insurance https://pricemilne.com/post/is-private-health-insurance-worth-it-in-new-zealand/ https://pricemilne.com/post/is-private-health-insurance-worth-it-in-new-zealand/ 2026-02-17T00:00:00.000Z A plain-English look at what health insurance adds in New Zealand alongside the public system, and the factors people weigh up. Insurance Health https://pricemilne.com/post/how-kiwisaver-and-pie-investments-are-taxed/ https://pricemilne.com/post/how-kiwisaver-and-pie-investments-are-taxed/ 2026-01-27T00:00:00.000Z KiwiSaver and many managed funds are taxed as PIEs. Here is how your Prescribed Investor Rate (PIR) works, and why getting it right matters for higher earners. KiwiSaver Money https://pricemilne.com/post/life-trauma-tpd-income-protection-whats-the-difference/ https://pricemilne.com/post/life-trauma-tpd-income-protection-whats-the-difference/ 2026-01-20T00:00:00.000Z A clear, plain-English explanation of how life, trauma, TPD and income protection cover differ in New Zealand, and how they work together. Insurance Money https://pricemilne.com/post/how-much-life-insurance-do-i-need-in-new-zealand/ https://pricemilne.com/post/how-much-life-insurance-do-i-need-in-new-zealand/ 2025-12-16T00:00:00.000Z A plain-English guide to working out how much life insurance you might need in New Zealand, and the factors that change the number. Insurance Money https://pricemilne.com/post/do-you-still-need-insurance-if-youre-wealthy/ https://pricemilne.com/post/do-you-still-need-insurance-if-youre-wealthy/ 2025-12-09T00:00:00.000Z If you have significant savings or assets, you may be able to carry some risks yourself. Here is how to think about which cover still earns its place — and which may not. Insurance Money https://pricemilne.com/post/do-i-need-life-insurance-if-im-single-with-no-kids/ https://pricemilne.com/post/do-i-need-life-insurance-if-im-single-with-no-kids/ 2025-11-18T00:00:00.000Z Whether single New Zealanders with no dependants need life insurance, and the situations where cover can still be relevant. Insurance Money https://pricemilne.com/post/how-much-trauma-cover-do-you-need/ https://pricemilne.com/post/how-much-trauma-cover-do-you-need/ 2025-11-04T00:00:00.000Z Trauma cover pays a lump sum if you are diagnosed with a serious illness. There is no single right amount — here is a practical way to think about how much you need. Trauma Insurance Insurance https://pricemilne.com/post/what-happens-to-kiwisaver-and-insurance-when-i-change-jobs/ https://pricemilne.com/post/what-happens-to-kiwisaver-and-insurance-when-i-change-jobs/ 2025-10-14T00:00:00.000Z What happens to your KiwiSaver and your insurance when you change jobs in New Zealand, and the cover that does not follow you. KiwiSaver Insurance https://pricemilne.com/post/agreed-value-vs-indemnity-income-protection/ https://pricemilne.com/post/agreed-value-vs-indemnity-income-protection/ 2025-09-16T00:00:00.000Z Agreed value and indemnity income protection calculate your benefit differently. Here is what separates them, and why it matters most if your income varies. Income Protection Insurance https://pricemilne.com/post/what-is-key-person-insurance/ https://pricemilne.com/post/what-is-key-person-insurance/ 2025-08-12T00:00:00.000Z If your business would struggle without one particular person, key person insurance can help absorb the financial shock. Here is how it works and who tends to use it. Business Insurance Insurance https://pricemilne.com/post/how-to-set-up-emergency-contacts-on-your-mobile-a-step-by-step-guide/ https://pricemilne.com/post/how-to-set-up-emergency-contacts-on-your-mobile-a-step-by-step-guide/ 2025-07-20T00:00:00.000Z Setting up emergency contacts on your mobile is a straightforward yet vital task for anyone keen to minimise risks in daily life. Lifestyle Medical https://pricemilne.com/post/level-vs-stepped-premiums/ https://pricemilne.com/post/level-vs-stepped-premiums/ 2025-07-17T00:00:00.000Z Compare stepped and level life insurance premiums in NZ and find out which suits your long-term goals, and how to convert without reapplying. Insurance Finance Money