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Insights

Clear, honest guides to protecting your health, income and family, written to cut through the jargon, not add to it.

How much does life insurance cost in New Zealand?

There's no single price tag, your premium depends on your age, health, cover type and how much you insure. Here's what actually moves the number, without getting lost in dollar figures.

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Life insurance 101: how it works

New to cover? Start here, the types, the premiums, and how it all fits together.

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Life vs Trauma vs Income Protection

Three covers, three very different jobs. Here's which you actually need.

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Life insurance business 101

How insurers pay large claims from small premiums, risk pooling explained.

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What are loadings?

Quoted more than standard? Here's what a loading is and how to improve your terms.

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Why are some claims not paid?

The common reasons claims aren't paid, and how to make sure yours is.

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How insurers pay big claims

Small premiums, large payouts, how risk pooling makes insurance work.

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Percentage vs per-mille loadings

The two types of premium loading, how they're calculated, and when each applies.

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ACC and the income gap

ACC covers accidents, not illness, the gap most Kiwis don't know they have.

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Protecting your business

Lose a key person or shareholder? The cover that keeps a business standing.

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Insurance as a staff perk

Group schemes are a low-cost way to attract and keep good people. Here's how.

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New house or new baby?

The two milestones when cover matters most, and what to sort at each.

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Reading is a great start. Advice is better.

Guides can point you in the right direction, but the right cover is the one built around your life. Let's sort yours.