Topic · Page 3
Personal risk & life insurance
How life, trauma, income protection, TPD and mortgage cover actually work in New Zealand — what each one pays, where the wording matters, and how the pieces fit together for a household.
Personal Risk · 23 May 2026
Who Should Own Your Life Insurance Policy in NZ? (2026 Ownership and Beneficiary Guide)
Who legally owns a life policy decides who controls it and where the payout lands. Here is how self-ownership, cross-ownership and nominated…
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Personal Risk · 10 Apr 2026
How Life Insurance Underwriting Works in NZ (2026): From Application to Decision
Underwriting is how a NZ insurer decides whether to offer you cover, on what terms, and at what price. Here is what insurers ask, when they …
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Personal Risk · 20 Mar 2025
Locum Cover for NZ Health and Trade Professionals: How It Works
If you run a solo practice, locum cover funds a replacement so revenue keeps flowing while you recover. Here is how it works in NZ, and how …
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Personal Risk · 6 Feb 2026
Will Mental Health Affect Your Life or Income Insurance Application in NZ? (2026)
Anxiety, depression or counselling on your record? Here is how NZ insurers underwrite a mental-health history, why severity and recency matt…
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Personal Risk · 27 May 2026
Mortgage Repayment Cover vs Income Protection in NZ (2026): The Difference That Matters at Claim Time
The bank's mortgage repayment cover protects the loan. Full income protection protects your income. Here is how they differ on benefit basis…
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Personal Risk · 15 Nov 2025
Mortgage Repayment Insurance vs Income Protection in NZ 2026: The Difference at Claim Time
Mortgage repayment insurance and income protection both pay when you cannot work, but they are calculated differently and pay different amou…
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Personal Risk · 16 Mar 2025
Income Protection for the Self-Employed New Parent in NZ: Protecting a New Baby and a New Business (2025)
Starting a family and a business at once stacks two financial risks on top of each other. Here is how income protection, ACC, parental leave…
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Personal Risk · 16 Aug 2025
The Real Cost of a New Baby in NZ and the Cover New Parents Need
What a new baby actually costs in the first year, how paid parental leave leaves an income gap, and the life, income and KiwiSaver moves new…
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Personal Risk · 7 Jun 2026
Non-Disclosure and Life Insurance Claims in NZ (2026): What You Must Tell the Insurer
Most NZ life insurance claims are paid. The ones that aren't are usually declined for non-disclosure — something left off the application. H…
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Personal Risk · 22 Apr 2026
The Non-Pharmac Drug Gap NZ 2026: How Trauma and Health Cover Fund Cancer Treatment You'd Otherwise Pay For
Some cancer drugs aren't Pharmac-funded, and the bill can top $100,000 a year. Here is how health plans and trauma cover fund treatment NZ w…
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Personal Risk · 22 Apr 2026
Off Work Due to Illness, Not Injury: What Actually Pays Your Income in NZ (2026)
ACC covers accidents, not illness — yet illness causes most long-term absences. Here is how fast NZ households run out after sick leave, and…
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Personal Risk · 15 Feb 2026
Pre-Existing Conditions and Life Insurance NZ (2026): Diabetes, High Blood Pressure, BMI and More
Diabetes, high blood pressure or a high BMI rarely mean no cover — they usually mean a loading, an exclusion, or a different insurer. Here i…
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Personal Risk · 12 May 2026
Protect Your New Mortgage NZ 2026: Life, Income or Mortgage Protection First?
Just bought your first home? Protect your income first, then your debt, then lump sums. The order of priority for a brand-new, stretched fir…
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Personal Risk · 17 Oct 2025
Protecting a Mortgage on a Single Income in NZ 2026: Cover When One Earner Carries the Loan
When one wage services the mortgage, the household has no second income to fall back on. Here is how to think about life and income cover on…
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Personal Risk · 13 Oct 2025
Redundancy Cover in NZ 2026: Does It Actually Exist, and What Will It Really Pay?
Standalone redundancy insurance is rare in NZ, and income protection generally excludes redundancy. Here is what redundancy cover actually p…
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Personal Risk · 7 Jan 2025
Total vs Partial Disability in Income Protection NZ (2026): How Returning to Work Part-Time Pays
Total disability cover only pays when you cannot work at all. Partial (proportionate) cover pays when you ease back part-time — here is how …
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Personal Risk · 30 Apr 2026
TPD Insurance in NZ (2026): Own-Occupation vs Any-Occupation and How Claims Are Decided
Own-occupation vs any-occupation TPD in NZ — which definition is harder to claim under, why one costs more, how a TPD claim is actually asse…
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Personal Risk · 2 Feb 2025
How to Read Your ACC Levy Invoice as a Self-Employed Kiwi (NZ)
Got an ACC invoice and not sure what half of it means? Here is a line-by-line walkthrough of the Work, Earners' and Working Safer levies, th…
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Personal Risk · 12 Nov 2025
Why a Personal Risk Review Matters in NZ Right Now
With most New Zealanders still struggling with the cost of living, there will never be a better time to review your Personal Risk Covers. A …
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Personal Risk · 27 May 2024
Why Income Insurance Matters More Than You Think
Ask yourself a simple question: what is your biggest asset, your house or your earning potential? For most people, the house feels obvious b…
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Personal Risk · 27 Mar 2024
Trauma Cover and Personal Insurance, why the numbers matter in real life
Trauma cover is designed to pay a lump sum if you suffer one of the serious medical events covered by your policy, such as cancer, a heart a…
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