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…

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…

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…

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…

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…

💡 Did you know? In 2023, over 438,000 New Zealanders were self-employed, making up 15.9% of the workforce—nearly 1 in 6 Kiwis were running their businesses.  While self-employment offers freedom and flexibility, it also comes with financial risks. Unlike salaried employees, self-employed don’t have employer-sponsored…

Life insurance is one of the most essential financial tools for securing your family’s future, yet many Kiwis misunderstand how it works. Myths and misconceptions often prevent people from getting the right coverage—or any coverage at all. Some believe life insurance is only for the…