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Frequently Asked Questions

Find answers to common personal insurance questions below. If you can’t find an answer
to your questions, please Contact Us and an expert adviser will reach out.

Find answers to common personal insurance questions below. If you can’t find an answer to your questions, please Contact Us and an expert adviser will reach out.

We charge no fees to you for our service. We receive our compensation from the insurance provider only after we have successfully helped you secure cover that meets your insurance goals.

Both Income and Mortgage Protection pay out if you are unable to work due to illness and injury (and some may have the option to add a redundancy cover as well) and are designed to protect your and your loved ones’ lifestyle, by ensuring your income continues even if you are unable to work.
Where they differ is how they work with tax, offsets (other income such as reduced hours or ACC), if you need to prove your income at claim time, and the amount of cover you can have. Talk to one of our friendly advisers to find out which one is best for you.

Yes, unless specifically excluded due to your personal situation, life insurance covers death due to both accidents and natural causes.

Yes, insurers charge different rates for smokers (including vaping) and non-smokers, based on the increased risk of having a claim.

Life insurance pays out either a lump sum or a monthly payment over an agreed number of years (or both) when the insured person passes away. Many policies will also pay out in advance for terminal illness.

This is something you chose when applying for the cover, and is usually called the “benefit” or “payment” period. These are typically 2 years, 5 years, or until age 65. Your payments will end either when you are fit to return to work, or once you’ve hit the end of this benefit period. It’s important to get this right, to ensure a balance of affordable premiums and sufficient cover.

The amount of cover you need will depend on your income, lifestyle, financial obligations, and dependants. It’s a good idea to discuss this with a financial adviser to ensure you get this right and aren’t left with a shortfall at claim time.

Income protection is designed to cover loss of income when you are unable to work due to illness or injury, and some policies also give you the option to add cover for redundancy. They will not cover getting fired.

It’s easy to get life insurance, but there are a lot of options, and it’s not easy to understand which is right for you. You can either take it out directly with an insurance company or go through an adviser.

Using an adviser like one of’s Partners will cost you nothing, and the products available are often far more comprehensive. Their job is to work for you, to recommend the policy most suitable, as well as make it easy to understand your options and what products are a good fit. If you have any existing cover, they can provide advice around its suitability, and any pros and cons of changing it. They also do most of the leg work to make it easy getting in place, and most importantly, are there to help you at claim time.

If you’ve been hit with an illness or injury leaving you unable to perform your work duties, it might be time to lodge a claim on your income protection policy. In general, you’ll need to lodge a claim and provide medical evidence that you’re unfit for work for longer than your specified wait period. Your adviser can help you through this.

The companies that we work with all pay out a small portion immediately upon notifying them of the death (usually $15-25,000), to ensure you have funds available to cover the funeral.

The full sum will require medical evidence to ensure it is a valid claim, which would typically be processed within 48 hours of receiving the information, and payment received 2-5 business days following approval.

Most of the policies we work with also include additional payments for grief counseling and financial and legal advice.

The cost of income protection can vary a lot depending on your health, occupation, income, and options chosen, including the wait period (how long before payment kicks in) and benefit/payment period (how long it can pay for). It’s advisable to speak with an adviser to help you find the option most suitable for you.

Life insurance premiums vary from company to company and are influenced by a variety of factors, such as smoking status, age, and health. As an example, $500K of life cover for a 40 year old non-smoker can cost less than $30/month.

It’s not just about what the cost is. Comparing policies requires a good understanding of the policy wordings, benefits, exclusions, and what this means for you to ensure the best outcome at claim time. This is the part that can be tricky and is why we recommend getting an expert financial adviser in to help you understand your options.

Health insurance policies can range from covering day to day costs like GP or dental visits, through to hospital cover for more serious treatments like surgeries or non-Pharmac cover.

Different policies can also range a lot in what and how much they will cover, as well as any excesses you may need to pay.

An adviser will be able to help you understand which options will best suit your needs, and discuss what’s important for you to have covered, and what you’re happy to self-insure for.

The journey to find the best insurance plan is too complex to do on your own.

Follow a simple process, guided by our partner team of expert insurance advisers,
and as a result, you’ll get the cover you need that fits your personal circumstances.

The best part? Our entire service comes at no cost to you. We receive our compensation from the insurance provider only after we have successfully helped you secure cover that meets your insurance goals.

Furthermore, our commitment doesn’t end there. Our partners continue to provide ongoing advice and support, assisting you with any claims to ensure you receive the benefits you deserve.

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Researching personal insurance on your own is a daunting task. Let’s make it simple and do it together. works with New Zealand’s leading financial advice providers, to help Kiwis easily access up-to-date personal insurance advice and empower them to make informed decisions and get the cover they need to protect their assets, families and lifestyles.

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