Life Insurance for Senior Citizens in NZ: The 2025 Master Guide
TL;DR Government help exists but won’t cover everything: ACC funeral grant up to $7,990.30; Work and Income Funeral Grant up to $2,616.12; Veterans’ Affairs funeral expenses $3,197.64 plus transport. ACC Register a death within three working days and order…
AIA’s Specialist and Testing Support – New Health Benefit Explained
Introduction AIA New Zealand has launched a new health insurance benefit called Specialist and Testing Support (STS), effective 1 October 2025. STS is designed for Kiwis who want fast access to private specialists and diagnostic tests without paying for a full hospital policy. It focuses…
How Much Life Insurance in NZ Do Kiwis Need? 2025 Expert Guide
Key Takeaways Start with needs, not guesses: Add up debts, years of income to replace, childcare/education costs, and funeral expenses, then subtract savings and KiwiSaver. Anchor to local numbers: Use current income benchmarks to frame replacement maths; median weekly…
Life Insurance vs Mortgage Protection in NZ: Key Differences
Life Insurance vs Mortgage Protection in NZ: Life insurance provides a lump sum to your beneficiaries on death, whereas mortgage protection is specifically designed to cover your mortgage repayments. Kiwis remain underinsured: Only 41% report holding life insurance, highlighting protection gaps for families with…
Best Life Insurance Policies in NZ 2025: Expert Kiwi Guide
TL;DR Summary Life insurance uptake is growing in NZ, with the Financial Services Council reporting a 1.8% increase in coverage year-on-year in 2025, especially among Kiwis aged 46–65 (FSC NZ) Regulatory changes are strengthening consumer protections, with MBIE’s ongoing insurance law review aiming to simplify…
Key Person Insurance in New Zealand (2025 Guide)
Here’s a stark reality for New Zealand businesses: up to 70% of SME revenue can flow through just one or two individuals. Think about it. Your visionary founder. That top salesperson who brings in the lion’s share of clients. Or the technical lead whose specialised…
The Truth About Stepped vs Level Life Insurance Premiums (2025 Guide)
Choosing between stepped vs level life insurance premiums isn’t just a financial decision—it’s about securing your family’s future in a way that aligns with your current needs and long-term goals. For Kiwis, understanding these two premium structures is crucial to ensure you’re not caught off…
Total and Permanent Disability (TPD) Insurance in New Zealand
What Is Total and Permanent Disability (TPD) Insurance and Why Does It Matter? Total and Permanent Disability (TPD) Insurance — sometimes called Disability Insurance — is vital financial protection in New Zealand. It pays you a tax-free lump sum if you suffer a serious illness…
How Health Affects Life Insurance Premiums in New Zealand 2025
Why Your Health Matters in Life Insurance When you apply for life insurance in New Zealand, you’re not just filling out a form — you’re telling a story. That story is built around risk: how long you’re expected to live and how likely your insurer…
Top 5 Key Factors To Choose The Best Life Insurance Provider in NZ
Choosing the best life insurance provider might not be your typical dinnertime conversation. Still, if you’re a Kiwi wanting to protect your loved ones or ensure your business survives without you, it’s one of the smartest moves you can make. Whether you’re self-employed, a new…