In New Zealand, we’re fortunate that the majority of insurance claims are accepted. When an insurance claim isn’t paid out, this is generally due to nondisclosure (when the person who took out the insurance didn’t provide the right information at the start of the process).

We’re here to help you understand what you need to tell the insurance company and walk you through the process clearly and transparently.

For many kiwis owning a house and/or having a family can often be the trigger to start thinking about insurance. Ensuring your mortgage continues to be paid and your family is taken care of financially should something happen is important.

For those that don’t own a home or have children at this stage, insurance might not be at the top of your list. It is important to note that even when we don't own a home or have a family to care for, we still have expenses and often goals for our future. Insurance isn’t just about protecting what you have right now; it’s also about protecting those future goals too.

If you become unwell and can’t work for an extended period of time, even if you survive financially, you might have to use up all your savings. If you have insurance in place, your cover can support you to remain independent and cover your expenses whilst you focus on recovery.

Having insurance young often means you will take advantage of lower premiums and it is less likely you will have any exclusions or higher than standard premiums - Lifestyle insurance is based on your health - lots of us haven't had any health concerns at this stage!

We get it: there is a lot of jargon and paperwork associated with the insurance industry! We take a completely fresh approach; we use plain English and focus on making sure you understand what your insurance covers and how it will help if you need to make a claim.

All of our "paperwork" is completed digitally and efficiently. We are available via "Team" (similar to zoom) so can see you wherever you are in Aotearoa. The experience and advice is the same as if it were in person.

Each year (or when you have changes in life) we will help you to review your cover ensuring it suits your situation. We are here for you to support you should you need to make a claim and we'll continue to provide ongoing support and education around your covers through the content we share via social media.