Why you need Insurance Advice in New Zealand
Buying insurance sounds straightforward, right? You pick a policy, pay your premium, and hope you never need to use it.
But here’s the thing: New Zealand’s life and health insurance market is incredibly complex. With dozens of providers, thousands of features, and endless variations in policy wording, it's no wonder people feel overwhelmed.
And that’s exactly why professional advice matters.
It’s Not Just About Price — It’s About Fit
We’re often asked, “Can’t I just look up the cheapest life cover online and go with that?”
Sure, you can. But the cheapest option might not cover the things that matter to you — or worse, might not pay out when you need it most.
Behind every insurance policy are layers of fine print. There are 30 different insurance companies in New Zealand, offering:
80 product types
293 individual features
Over 17,000 variations in policy wording
And those features? They can change depending on your age, gender, occupation, or employment status. It’s not a one-size-fits-all game and you shouldn’t be left to figure it out on your own.
Here’s What You Might Not Know to Ask:
A skilled financial adviser doesn’t just know the market - they know the right questions to ask, like:
Which trauma policies cover the most conditions - and which ones actually pay out for early-stage cancer?
Which income protection policies work best with ACC (so you’re not left short)?
Who’ll help keep your cover in place if you lose your job?
What happens if you’re only partially disabled - do you still get paid?
And if the worst happens, will your policy cover legal costs tied to your estate?
These are the details that really matter at claim time. And most people won’t find the answers buried in a product brochure.
You Don’t Need to Be an Insurance Expert
We don’t expect you to become an expert on trauma definitions, offset clauses, or survivability periods. That’s our job.
But what you do need is advice that’s tailored to your life, your income, your health, your goals, and your responsibilities. That’s why working with a licensed Financial Adviser who understands insurance inside and out is so valuable.
Because when things go wrong, you want peace of mind knowing you’re covered - not a rude surprise.
Don’t Leave It to Chance
You wouldn’t build an investment portfolio by guessing. Insurance deserves the same level of care. Done right, it’s not just a safety net - it’s the backbone of your financial resilience.
Talk to us about your Insurance needs so we can find the right fit for you and your situation.
This information was sourced from Quote Monsters Flyer that can be directly downloaded here.