Do you need life insurance when getting a mortgage in NZ?
Do you need life insurance when getting a mortgage in NZ? No New Zealand bank requires life insurance before they hand over the keys. And that’s exactly why so many Kiwis walk into homeownership carrying a risk they haven’t thought through properly. The bank got what it needed: building cover on the asset, proof of […]
ACC vs Income Protection: The Gap Most Kiwis Miss
ACC vs Income Protection: The Gap Most Kiwis Miss When comparing ACC vs income protection, most Kiwis assume ACC has them covered if something goes wrong. It’s an easy assumption to make. ACC is a compulsory, no-fault scheme that covers everyone in New Zealand, and it runs quietly in the background of every working life […]
Is your insurance cover keeping up with your life in NZ?
Is your insurance cover keeping up with your life in NZ? If you haven’t taken the time to update your insurance policy in NZ since your last major life change, your cover may no longer fit the life you’re actually living. Picture this: you took out life insurance at 27, fresh into your first real […]
Is private health insurance worth it in New Zealand?
Is private health insurance worth it in New Zealand? Is health insurance worth it in New Zealand? It’s one of the most common questions Kiwis bring to a financial adviser, and it tends to surface at a particular moment: after a family member spends eight months on a waiting list for a knee replacement, or […]
Should First Home Buyers Get Life Insurance in NZ?
Should First Home Buyers Get Life Insurance in NZ? Should you get life insurance when you buy your first home in New Zealand? It’s one of the most common questions first home buyers ask, and it tends to arrive at the worst possible moment: somewhere between signing the sale and purchase agreement and picking up […]
Mortgage protection insurance NZ: what Kiwis need to know
Mortgage protection insurance NZ: what Kiwis need to know You’ve just signed a mortgage. The monthly repayment is now the biggest financial commitment you’ve ever made, and the relief of settlement day is still fresh. Then someone asks: what happens to that repayment if you can’t work? Mortgage protection insurance NZ borrowers can access is […]
Do you need trauma cover as well as life insurance in NZ?
Do you need trauma cover as well as life insurance in NZ? Do I need trauma insurance as well as life insurance in NZ? It’s one of the most common questions we hear at Pulse Advice, and it matters more than most people realise. Most people with life insurance assume they’re sorted. And in one […]
How income protection insurance works in New Zealand
How income protection insurance works in New Zealand Many people assume ACC has them covered if they can’t work due to illness. Income protection insurance in NZ fills a gap that ACC was never designed to close, and it’s a gap that tends to reveal itself at the worst possible moment. This article covers what […]
Is Health Insurance Worth It In New Zealand
The Public System Problem: Why ‘Free’ Healthcare Can Be Costly When evaluating is health insurance worth it in New Zealand?, it’s important to understand the key differences. New Zealand’s public health system excels when your life is at risk. If you’re rushed to the emergency room after a car accident or a heart attack, you’ll […]
Why Trauma Insurance is the Missing Piece of Your New Zealand Financial Plan
The Reality of Health Risks in New Zealand Many people think serious illnesses are problems for others. While this is a common mindset, for numerous New Zealanders, this assumption can quietly create a significant gap in their financial planning. Statistics tell a different story. Cancer, heart disease, and stroke make up about 85% of all […]
