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Insurance guides for Kiwis

Plain English explainers to help you understand life, income, trauma, mortgage, and health cover.

Life 6 min read

Life Insurance NZ: The Complete 2026 Guide

Life insurance is one of the most important financial decisions you'll make. Here's everything you need to know before you buy.

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Income 5 min read

ACC vs Income Protection: The Gap Most Kiwis Miss

ACC covers accidents. But what happens if you can't work because of cancer, a heart attack, or a mental health condition? That's where most Kiwis have a gap.

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Life 4 min read

How Much Life Insurance Do I Need in NZ?

The 10x rule is a starting point. Here's a more accurate way to work out your number based on your mortgage, income, and family situation.

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Trauma 5 min read

Trauma Cover Explained: What It Pays For and Why It Matters

Trauma cover pays a tax-free lump sum if you're diagnosed with cancer, a heart attack, or stroke. Here's what's included and what to watch out for.

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Income 5 min read

Income Protection for Self-Employed Kiwis

No employer sick pay. No paid leave. No group insurance. Self-employed Kiwis carry more income risk than almost anyone else — and most are underinsured.

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Mortgage 4 min read

Mortgage Protection vs Income Protection: Which Do You Need?

They both pay if you can't work — but they are very different products. One covers your mortgage, the other covers your life. Here's how to choose.

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