https://www.randpinsurance.co.nz/insights daily 0.75 2026-11-02 https://www.randpinsurance.co.nz/insights/blog/income-protection-self-employed-women-nz monthly 0.5 2026-11-02 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/f7661deb-d5b5-4920-a18e-9e469e655dba/RP-26-1111-03+-+1+x+SEO+Blog+%282%29.jpg Insights - Income Protection for Self-Employed Women in NZ https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/a35733dc-9159-43fb-b57e-760badc175e3/RP-26-1111-03+-+1+x+SEO+Blog+%281%29.jpg Insights - Income Protection for Self-Employed Women in NZ If you've had a quiet patch, cut back your hours or taken time off for family, an indemnity policy may pay less than you'd planned on. Agreed value gives you certainty, but you'll need to show your income when you apply. Insurers define these terms differently, which is why comparing the policy wording matters more than comparing the price. Wait periods and benefit periods, explained Two settings shape your cover and what you pay for it. The wait period is how long you need to be off work before payments start. Common options range from a few weeks to a year. The longer the wait, the lower the premium, so the question to ask is how long you could cover your bills from savings or business cash flow. If the answer is about two months, there's little point paying for a four-week wait. The benefit period is how long the policy keeps paying once a claim starts. That might be two years, five years, or through to age 65. Shorter periods cost less, and a short illness is often manageable from savings. The serious, long-term ones are what can sink a household, so the benefit period is worth thinking through carefully. Pregnancy, parental leave and your cover This is where generic advice falls short, and where planning ahead makes the biggest difference. Apply before you're pregnant, if you can. If you apply for income protection while pregnant, some insurers may exclude pregnancy-related conditions or postpone cover until after the birth. Sorting it early gives you the widest choice. Check how your policy treats time out of work. Income protection is tied to your income. If you take parental leave, reduce your hours or pause the business, that can affect what you'd receive if you needed to claim later, especially on an indemnity policy that looks back at recent earnings. Ask about parental leave options. Some policies let you pause premiums or keep cover in place while you're on parental leave. Others don't. The details vary from insurer to insurer and policy to policy. Review your cover when you go back to work. Your income, hours and financial commitments have probably changed. Your cover should keep up. If a baby is on the cards, a cover review before you start trying is one of the most useful money conversations you can have. What affects the price There's no single price for income protection. Your premium depends on: Your age and health, including whether you smoke Your occupation, since some jobs carry more risk than others How much cover you take, as a share of your income Your wait period, where a longer wait means a lower premium Your benefit period, where a shorter period means a lower premium Indemnity or agreed value, with agreed value usually costing more Optional extras, which some policies offer at an added cost The cheapest policy isn't always the best value. A policy that costs less but pays less, or doesn't fit how you work, is an expensive way to save money. Why talk to an adviser? You can buy income protection directly from an insurer. But you'll only see that insurer's policies, written in that insurer's words. As advisers, we compare cover across multiple insurers and read the policy wording for you. We'll ask how your income works, what your plans are and what you could manage without, then talk you through the options in plain English. If you already have cover, we'll tell you if it's working for you. We won't suggest changing a policy without a good reason. We work with women and self-employed people right across New Zealand, by phone or Zoom, at times that suit your week x https://www.randpinsurance.co.nz/insights/fuelled-not-frazzled monthly 0.5 2026-08-20 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/2f29ba7b-9da9-467f-afec-74b595daf2d9/RP-26-0707-03+-+Blog+01+%281%29.png Insights - Fuelled, Not Frazzled: R&P x Nat on Protein, Meal Prep and Everyday Nutrition. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/womens-health-when-the-evidence-doesnt-reflect-the-patient monthly 0.5 2026-08-18 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/9bc8adb3-1418-4568-b91b-5228c97b27f0/RP-26-0707-03+-+Blog+01.png Insights - Women's Health: When the Evidence Doesn't Reflect the Patient - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/this-year-rp-turned-five monthly 0.5 2026-08-11 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/290471bd-2c85-43a9-9bd4-d2436f3d6850/RP-26-0707-03+-+Blog+01.png Insights - This year, R&P turned five. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/93347886-6c4d-4e78-935a-0dab1b6210e6/RP-26-0707-03+-+Blog+01+%281%29.png Insights - This year, R&P turned five. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/matariki-hauora-and-the-power-of-everyday-care monthly 0.5 2026-08-11 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/f3c06680-fc62-4856-94b8-83ffb26e5339/1.png Insights - Matariki, Hauora and the Power of Everyday Care - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/fb971f42-c805-45eb-94fe-bffce745261c/2.png Insights - Matariki, Hauora and the Power of Everyday Care - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/we-need-more-rooms-like-that monthly 0.5 2026-05-26 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/e98dda41-828a-4c37-b151-841c86fa17ce/1.png Insights - We need more rooms like that. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/f8ec24df-09e9-4cdd-bb6e-12eb5e171160/2.png Insights - We need more rooms like that. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/meet-the-women-behind-money-moves monthly 0.5 2026-05-25 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/4ec6fac4-d74c-4be7-a436-988818fb640b/RP-26-0502+-+Wahine+Wanawana+Keynote+Updates+%284%29.png Insights - Meet the Women Behind Money Moves - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/c319069f-a12a-4def-824a-85fd737ed861/Screenshot+2026-04-17+at+8.20.56%E2%80%AFAM.png Insights - Meet the Women Behind Money Moves - Janelle Riki Riki Consultancy A seasoned leader and consultant with over 13 years of professional experience, Janelle is a captivating keynote speaker and emcee. Her expertise spans leadership and governance, keeping her seriously busy across a range of clients and communities. Renowned for her work in Te Tiriti o Waitangi strategy, Janelle provides invaluable support while bringing a presence that is equal parts inspiring, warm, and just the right amount of provocative. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/b9a012ea-a457-4429-b9b4-65da228fe9d8/Screenshot+2026-04-17+at+8.21.31%E2%80%AFAM.png Insights - Meet the Women Behind Money Moves Sarah Clare Brown I Am Not Your Rehab Sarah Clare Brown MNZM (Ngāpuhi/Te Rarawa) is a best-selling author, communicator, and producer, widely known for her impactful community initiatives and non-profit campaigns, including co-founding the global movement She Is Not Your Rehab. She facilitates therapeutic group sessions both in prisons and in the community, with a strong focus on family harm and gendered violence prevention. Her work is grounded in creating positive social change through grassroots initiatives and collective healing. Since 2018, Sarah and Matt have partnered with the New Zealand government to develop and launch the InnerBoy app, supporting accessible healing for indigenous men. The movement itself invites men to acknowledge childhood trauma and take responsibility for their healing. Sarah is also co-author of the #1 bestselling book She Is Not Your Rehab, with a follow-up book for women, I Am Not Your Rehab, set for release in 2025. She was awarded a New Zealand Order of Merit in 2022, alongside a Commonwealth Points of Light award. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/20ea8ab3-7785-4ca8-a01f-a8ac8d12e7df/Screenshot+2026-04-17+at+8.22.42%E2%80%AFAM.png Insights - Meet the Women Behind Money Moves Brooke Roberts Co-founder of Sharesies Brooke Roberts is the co-founder, director and 3EO (co-CEO) of Sharesies, and a mother of two. At Sharesies, their vision is to give someone with $5 and $5 million the same money opportunities. Today, the platform has over half a million investors who have collectively invested billions of dollars. Brooke is passionate about creating equal opportunities and using business as a force for good, with a strong focus on positive impact across people, customers, communities, and the environment. She was the co-winner of the 2020 Women of Influence – Business award, and has also been recognised as the 2022 NZ Hi-Tech Inspiring Individual and NZ Services Entrepreneur of the Year alongside her co-founders. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/17ee333e-875e-46de-a434-201027d03605/IMG_1827.jpg Insights - Meet the Women Behind Money Moves Te Kahukura Boynton Financial Content Creator and Author of Māori Millionaire Te Kahukura Boynton is a bestselling author, entrepreneur and founder of Māori Millionaire, the largest trauma-informed financial literacy platform in Aotearoa. Of Ngāti Kahungunu, Ngāi Tūhoe and Te Whakatōhea descent, her work focuses on making financial education accessible, culturally relevant, and grounded in an Indigenous lens. She centres lived realities and practical tools to make wealth building feel achievable for communities who have historically been excluded from financial systems. What began as a personal goal to become a millionaire in her 20s has grown into a movement of more than 100,000 people, alongside a fast-growing podcast and national events. Te Kahukura is currently delivering a 12-month partnership with ANZ to produce a financial education series, and has been recognised as a 2025 Young New Zealander of the Year semi-finalist and United Nations Entrepreneur of the Day award winner. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/972664e5-5a98-49ae-8977-f357baedb154/Tegan%2B%233.webp Insights - Meet the Women Behind Money Moves Tegan Yorwarth Mai FM Host Tegan is the captivating voice electrifying the airwaves of Aotearoa with her infectious energy. Known for her charisma, she delivers not just the latest music, but engages listeners in meaningful and entertaining conversations alongside her fellow hosts at Mai FM. Her storytelling transforms the listening experience into something that feels like a chat with your closest friend, making her a familiar voice in many morning routines. She celebrates culture, meaningful moments, and the stories that connect us all, blending te reo with playful banter to uplift and inspire her community both locally and globally. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/d49f405a-e787-4acf-b47d-8d260f1aa094/Screenshot+2026-04-17+at+8.27.40%E2%80%AFAM.png Insights - Meet the Women Behind Money Moves Courtney Manu Financial Content Creator Courtney is a Pasifika mum of four, a wife, business owner, and long-time content creator who has openly shared all sides of her life, including her financial journey. From sharing her personal debt balances and how she paid them off, to meal prepping to save money, completing a course in money management, and purchasing a rental property, Courtney brings a real and relatable perspective. Growing up without exposure to financial literacy, she has built her knowledge over time and continues to share it with others. Her story reflects the realities many Māori and Pasifika families face, where financial responsibilities often extend beyond their own household. Today, Courtney works alongside her husband in their plastering business and has previously worked in insurance and leadership within a corporate brokerage. She has also been a valued part of the R&P community and growth over the years. https://www.randpinsurance.co.nz/insights/meet-nat-strength-simplified monthly 0.5 2026-04-16 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/9e15d3fe-f115-4977-91fc-eb5d35cf826f/RP-26-0405-03+-+Blog+Workout+Tiles.png Insights - Meet Nat. Strength, Simplified. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/31b45e36-3fb9-43f0-b866-7278e9fff922/1.png Insights - Meet Nat. Strength, Simplified. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/26277a20-be5a-4e18-ab61-72807306fb5b/2.png Insights - Meet Nat. Strength, Simplified. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/720f9644-ea3f-452c-b155-49e058b7053b/3.png Insights - Meet Nat. Strength, Simplified. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/when-insurance-starts-to-feel-unaffordable monthly 0.5 2026-03-24 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/d7475d23-696f-4ca4-92b9-eae61e4b23fd/RP-25-1113-09+-+Extra+Blog+-+Lifestyle+Insurance+affordabilityLifestyle+Insurance+affordability.png Insights - When Insurance Starts to Feel Unaffordable - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/meet-jenna-your-first-home-ally monthly 0.5 2026-03-17 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/04a015de-f15b-43db-a413-9e534507b7ba/R%26P+Blog+Post+%281%29.png Insights - Meet Jenna. Your First Home Ally. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/pdsr837f3bmb4gqvq5oty11h2l8cgw monthly 0.5 2026-03-09 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/970c8161-3a85-4c56-9e1a-1da01a88b6d9/RP-26-0303-03+-+Blog+1+-+Haumanu+Hauora.png Insights - Most health conversations in Aotearoa start too late. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/when-its-not-probably-nothing monthly 0.5 2026-02-25 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/94b9fbbc-bd5c-4a2b-bb8f-892c1c6c0918/IMG_0101.jpg Insights - When It’s Not “Probably Nothing” - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/getting-this-right-makes-a-real-difference monthly 0.5 2026-02-05 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/cc891da6-43ed-4f2d-8ae8-f175d180f610/david-rose-and-alexis-in-schitt-s-creek.webp Insights - Getting this right makes a real difference... - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/a-look-back-at-last-year-and-what-we-learned-along-the-way monthly 0.5 2026-01-18 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/0ee6a074-cad8-4a58-a172-c5c41d8f1556/IMG_3421.jpeg Insights - A Look Back at Last Year… and What We Learned Along the Way - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/small-money-moves-that-make-a-big-difference monthly 0.5 2025-12-09 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/53acfd2b-1e4d-4de5-bbb6-d8378cae9bc7/IMG_0602.png Insights - Small Money Moves That Make a Big Difference - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/so-you-want-to-start-playing-golf monthly 0.5 2025-11-04 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/79d47cb2-ebb3-4abd-a308-2b31dd8bad9f/IMG_8657.JPG Insights - So You Want to Start Playing Golf? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/1762219952291-TB24SGY86O26C9FZ7EJB/GEM00160.jpeg Insights - So You Want to Start Playing Golf? https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/1762219954474-TPMUB2JLL594Q33DUZ63/IMG_3617.JPG Insights - So You Want to Start Playing Golf? https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/1762219955484-F1CBO9HH83TF410LTLJA/03AC2763-BC27-4AC1-8694-2046FE2007B8.JPG Insights - So You Want to Start Playing Golf? https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/1762219961577-VI586ZRBBIMMR9469DDE/EB871A17-CA9C-4F24-BAC3-758BCD4F52B0.JPG Insights - So You Want to Start Playing Golf? https://www.randpinsurance.co.nz/insights/accidental-injury-cover monthly 0.5 2025-12-09 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/709a622c-15b3-4af0-83af-ce8673c9ad97/andrej-lisakov-8HeDXqDtFfk-unsplash.jpg Insights - Accidental Injury Cover: The Low-Key MVP - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/couch-to-5km-running-guide monthly 0.5 2025-09-21 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/2a5f01cb-28e8-4ba3-a19c-05c1a27f1b09/R%26P+Couch+to+5km+Guide.png Insights - Couch to 5km Running Guide - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/my-comeback-story monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/7c6fb77d-6191-4753-9bf2-4ca99d18fe67/Phillys+Running+Story.png Insights - My Comeback Story - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/rampp-x-kan-talking-business-our-way monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/05fe8701-b464-4eb8-81b8-5eb78b1f173d/KAN%3A+Talking+Business%2C+Our+Way.png Insights - R&P x KAN: Talking Business, Our Way - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/rampp-x-the-one-up-project monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/32364a46-ac19-4389-a7e6-5fe775e4a530/One+Up+Project+Logo.jpeg Insights - R&P x The One Up Project - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/randp-x-tegan-yorwarth-real-talk-real-impact monthly 0.5 2025-07-22 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/3704491b-14ba-4b39-a3d0-ea7177216d57/happy-guide-to-auckland-mai-fm-tegan.jpg Insights - R&P x Tegan Yorwarth: Real Talk, Real Impact - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/mori-women-in-business-awards monthly 0.5 2025-07-22 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/939be500-40a5-43d6-b71f-5d971c60ca3a/MWDI_2024-28.jpg Insights - Māori Women in Business Awards - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/rampp-in-latitude-magazine monthly 0.5 2025-07-22 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/6510d0b2-c7ea-48ff-b216-5d32f49098a4/lifeandleisureowol-logo-blue.jpg Insights - R&P in Life and Leisure Magazine - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/rampp-x-the-girls-uninterrupted-where-it-all-began monthly 0.5 2025-07-22 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/28e0858e-f1c1-443c-b50c-9fd4de4395e0/1200x1200bf-60.jpg Insights - R&P x The Girls Uninterrupted: Where It All Began - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/randp-x-the-curve monthly 0.5 2025-07-22 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/ac18af3c-1c67-4ed9-8426-4a681ec7b14e/Untitled+design+%285%29.png Insights - R&P x The Curve - R&P x The Curve Vic, Sophie, Rochelle and Philly https://www.randpinsurance.co.nz/insights/maori-millionaire-x-randp-insurance monthly 0.5 2025-07-22 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/0370a2e5-6829-4e97-a394-0d93b35b6ad8/Maori+Millionaire+Podcast.png Insights - Māori Millionaire x R&P Insurance - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/8b4261ac-48e5-4cb6-9aa5-56c104860487/Maori+Millionaire+Book.jpeg Insights - Māori Millionaire x R&P Insurance - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.randpinsurance.co.nz/insights/blog-post-title-one-j5efg monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/65a85e8d519faa51eadb2a40/960982c1-2044-48e8-8bba-25b4aefc17f7/rp-insurance-christchurch-advice-services.+.png Insights - How to choose Insurance - Make it stand out Whatever it is, the way you tell 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