Life insurance costs change with age. Here’s what affects pricing in NZ and how to estimate what you might pay.

A $100,000 life insurance policy can cost very different amounts depending on the person. There is no single price, because premiums are calculated based on factors like age, health, lifestyle and occupation.

One of the most common questions we hear from our customers is, “Can I get health insurance if I have a pre-existing condition?”

Let’s face it, insurance can be difficult. With all the addons, benefits, exclusions and terms, it’s easy to get wrong and end up costing more than you could imagine. We've put together our expert advice to make the process easier.

So, you’ve saved up enough for a deposit for a house you have your eye on. Maybe you’ve even visited the bank, chatted with your mortgage broker and have been approved for the loan. But what do you need to know about life insurance?

Endometriosis is commonly treated as pre-existing for health insurance. Here’s what that usually means, and what options remain.

Have a pre-existing condition? Here’s how NZ insurers assess it, what outcomes to expect, and the options that can still work.

When it comes to getting health insurance, high blood pressure can raise a few questions, like, will you still be covered? Will it cost more? Will insurers judge you for eating that second piece of pie?

Self-insuring means relying on your own savings instead of having an insurance policy to cover medical treatment, accidents, or lost income.

One of the most common questions we hear from our customers is, “Can I get health insurance if I have a pre-existing condition?”

Trauma insurance is designed to protect your finances if you are diagnosed with a serious illness. But with public healthcare and ACC available here in New Zealand, many people wonder whether this cover is truly necessary.

Trauma Insurance can be structured it on its own if that is what fits your situation.

Trauma insurance is designed to support you financially if you’re diagnosed with a serious illness or experience a major medical event.

ACC is one of the best systems New Zealand has. It’s simple, no-fault, and it helps a lot of people when something goes wrong. But it’s also widely misunderstood.

This is one of the most common ACC questions we're asked, so let’s clear it up properly.

Something we frequently hear from our clients is that they don’t need health insurance because ACC will cover them. 

The answer depends on whether you want clarity and peace of mind, or you’re happy to guess your way through fine print and hope for the best.

In New Zealand, most insurance brokers are paid a commission by the insurer you choose. That commission is built into the policy pricing, whether you use a broker or go directly to an insurance company.

If you're wondering what it is exactly that we do, you're not alone! We walk you through everything step by step, explain what matters, and handle the back-and-forth with insurers.