https://www.smiths.net.nz/blog daily 0.75 2026-01-26 https://www.smiths.net.nz/blog/the-importance-of-medical-insurance monthly 0.5 2025-11-12 https://www.smiths.net.nz/blog/personal-risk monthly 0.5 2025-11-12 https://www.smiths.net.nz/blog/general-insurance-considerations monthly 0.5 2024-12-18 https://www.smiths.net.nz/blog/personal-risk-considerations monthly 0.5 2025-11-19 https://www.smiths.net.nz/blog/kiwisaver-investment-fund-review monthly 0.5 2026-01-26 https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1003964e-bf54-470e-9bd2-9ff02072e5df/Calculating+Your+Risk+Profile_.png Blog - KiwiSaver Risk Profile Assessment - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.smiths.net.nz/blog/blog-post-health-insurance-providers monthly 0.5 2024-10-01 https://www.smiths.net.nz/blog/blog-post-kiwisaver-fund monthly 0.5 2024-09-09 https://www.smiths.net.nz/blog/blog-post-business-protection monthly 0.5 2024-09-09 https://www.smiths.net.nz/blog/blog-post-income-insurance monthly 0.5 2024-05-27 https://www.smiths.net.nz/blog/blog-post-house-insurance monthly 0.5 2024-05-27 https://www.smiths.net.nz/blog/blog-post-kiwisaver-contribution monthly 0.5 2026-01-26 https://www.smiths.net.nz/blog/blog-post-kiwisaver monthly 0.5 2026-01-26 https://www.smiths.net.nz/blog/blog-post-personal-insurance monthly 0.5 2024-03-27 https://www.smiths.net.nz/blog/blog-post-title-domestic-insurance monthly 0.5 2024-03-27 https://www.smiths.net.nz/disclosure daily 0.75 2024-11-25 https://www.smiths.net.nz/complaints daily 0.75 2021-02-25 https://www.smiths.net.nz/contact daily 0.75 2021-03-02 https://www.smiths.net.nz/kiwisaver-old daily 0.75 2024-03-03 https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1614296093415-G964TUZUAREY42865QDK/jason-gardner-rZYsuX51uyM-unsplash.jpg KiwiSaver - Why do I need KiwiSaver? Everyone is now familiar with KiwiSaver. As one of New Zealand’s main retirement savings schemes, it has been instrumental in raising awareness about being prepared for your future retirement. You can join at any age up to 65, from the day you are born. A work-based scheme that is voluntary to join but compulsory for employers to contribute to. KiwiSaver was created to help financially prepare New Zealanders for retirement with the help of professional managers such as Milford, Generate and Booster. When you start working, you can choose to contribute at a rate of 3%, 4% or 8% of your income while the compulsory rate for employers is 3%. It is an easy way to save and prepare for the future. The government has added numerous incentives to the KiwiSaver programme as well. At age 65 and at least a minimum of 5 years enrolled, you will receive a lump sum payout. Key Benefits: Government contribution $521.43 per year Compulsory employer contribution of 3% of salary Lump sum payment at age 65 First home subsidy Homestart Grant For more information, contact us below for a complimentary consultation. https://www.smiths.net.nz/privacy-policy daily 0.75 2021-03-17 https://www.smiths.net.nz/income-protection daily 0.75 2024-02-20 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Income Protection https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Income Protection https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Income Protection https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg Income Protection https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/4fd1735e-674b-49dc-a2b7-c01e5f4b7fb7/NewWebIcons-12.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1614296861134-02DYMLUCTUOBAPROS7YT/Builder.jpg Income Protection - Let’s protect your family together. Income protection insurance provides a replacement income of up to 75% of your pre-disability earnings. This monthly benefit is designed to replace a significant portion of lost income to help maintain you and your family’s lifestyle during treatment and recovery. Here at Smiths, we work with industry leaders to find the ideal policy that fits your needs. https://www.smiths.net.nz/home1 daily 1.0 2026-01-26 https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/55f9b6f9-25c5-42b0-bb5c-f12a8e2c9502/DSCF0099-2-min.jpg Home https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/b7ae3bd5-f29c-480b-8cc8-bfde3468a909/DSCF0084-2-min.jpg Home https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/32d5daf8-3bb2-4ce7-ad54-884fbd4f906b/DSCF0090-2-min.jpg Home https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/21a0b16d-9dde-475b-bd8b-1d64620d3c79/DSCF0076-2-min.jpg Home https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/4fd1735e-674b-49dc-a2b7-c01e5f4b7fb7/NewWebIcons-12.jpg Home https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/f089e7df-d8a7-4c3b-9402-d049cfa27515/NewWebIcons-11.jpg Home https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/9fd6fb5a-5e1a-4d0b-a8f2-56b06083ccc6/NewWebIcons-10.jpg Home https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/22499832-37f3-4c49-aee5-499047c31949/NewWebIcons-09.jpg Home https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Home https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Home https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Home https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg Home https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/35bfb7e4-828b-49f8-92dc-3bc0072455c4/DSCF0680-2.jpg Home https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/84a1b162-8e5a-42dd-87f1-0a20b883d124/DSCF0686-2.jpg Home https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/72137273-2aaa-4fd1-a9aa-ba8e318a2919/DSCF3162.jpg Home https://www.smiths.net.nz/about-us daily 0.75 2025-07-17 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/e32ccf49-57bd-4dcf-b894-59cafcfe471e/AroHa_02.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/55f9b6f9-25c5-42b0-bb5c-f12a8e2c9502/DSCF0099-2-min.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/32d5daf8-3bb2-4ce7-ad54-884fbd4f906b/DSCF0090-2-min.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/84a1b162-8e5a-42dd-87f1-0a20b883d124/DSCF0686-2.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/b7ae3bd5-f29c-480b-8cc8-bfde3468a909/DSCF0084-2-min.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/21a0b16d-9dde-475b-bd8b-1d64620d3c79/DSCF0076-2-min.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/35bfb7e4-828b-49f8-92dc-3bc0072455c4/DSCF0680-2.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/6ed1702c-b3f5-4248-abd1-fa5ca1266808/DSCF3162.jpg https://www.smiths.net.nz/life-insurance daily 0.75 2024-02-20 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Life Insurance https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Life Insurance https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Life Insurance https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg Life Insurance https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/4fd1735e-674b-49dc-a2b7-c01e5f4b7fb7/NewWebIcons-12.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1706742471007-DFRL8Y27DCQVELY8E1YY/image-asset.jpeg Life Insurance - Let’s protect your family together. Life Insurance is designed to provide security for a wide range of financial commitments by paying a lump-sum payment on your death. This is essential to ensure that your family are looked after and that they maintain the same pre-death lifestyle. https://www.smiths.net.nz/trauma-insurance daily 0.75 2024-02-20 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Trauma Insurance https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Trauma Insurance https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Trauma Insurance https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg Trauma Insurance https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/4fd1735e-674b-49dc-a2b7-c01e5f4b7fb7/NewWebIcons-12.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1706742538103-5UKN9SOMJYWM9GSAZ12Q/image-asset.jpeg Trauma Insurance - Let’s protect your family together. Trauma insurance is designed to provide you with a lump-sum payment after having one of these illnesses. The lump sum can help reduce debt, pay for home modifications, provide additional care, create an investment fund to generate ongoing income or enable business ownership to be restructured, amongst other things. The purpose of the funds is entirely yours to decide. https://www.smiths.net.nz/health-insurance daily 0.75 2024-02-20 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Health Insurance https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Health Insurance https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Health Insurance https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg Health Insurance https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/4fd1735e-674b-49dc-a2b7-c01e5f4b7fb7/NewWebIcons-12.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1706742810589-YRXCAB8AX0M5X63KBY0R/image-asset.jpeg Health Insurance - Let’s protect your family together. Health Insurance is designed to allow you to skip the public system and go Private which allows you to skip the unacceptably long public waiting lists for both diagnoses and treatment. It also gives you more control over who treats you and when. https://www.smiths.net.nz/total-permanent-disability daily 0.75 2024-02-20 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Total & Permanent Disability Cover (TPD) https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Total & Permanent Disability Cover (TPD) https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Total & Permanent Disability Cover (TPD) https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg Total & Permanent Disability Cover (TPD) https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/4fd1735e-674b-49dc-a2b7-c01e5f4b7fb7/NewWebIcons-12.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1706742810589-YRXCAB8AX0M5X63KBY0R/image-asset.jpeg Total & Permanent Disability Cover (TPD) - Let’s protect your family together. TPD is insurance cover designed to provide a lump sum that can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income or to enable business ownership to be restructured, amongst other things. The purpose of the funds is entirely yours to decide. https://www.smiths.net.nz/mortgage-repayment-cover daily 0.75 2024-02-20 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Mortgage Repayment Cover https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Mortgage Repayment Cover https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Mortgage Repayment Cover https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg Mortgage Repayment Cover https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/f089e7df-d8a7-4c3b-9402-d049cfa27515/NewWebIcons-11.jpg https://www.smiths.net.nz/domestic-insurance-cover daily 0.75 2024-02-26 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Domestic Insurance Cover https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Domestic Insurance Cover https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Domestic Insurance Cover https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg Domestic Insurance Cover https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/f089e7df-d8a7-4c3b-9402-d049cfa27515/NewWebIcons-11.jpg https://www.smiths.net.nz/business-insurance-cover daily 0.75 2024-02-20 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Business Insurance Cover https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Business Insurance Cover https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Business Insurance Cover https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg Business Insurance Cover https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/9fd6fb5a-5e1a-4d0b-a8f2-56b06083ccc6/NewWebIcons-10.jpg https://www.smiths.net.nz/kiwisaver daily 0.75 2026-01-26 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg KiwiSaver https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg KiwiSaver https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg KiwiSaver https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg KiwiSaver https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/39630f5a-e39b-4094-8bbc-7a8ccb7d2096/NewWebIcons-05.jpg https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1614296093415-G964TUZUAREY42865QDK/jason-gardner-rZYsuX51uyM-unsplash.jpg https://www.smiths.net.nz/personal-insurance-1 daily 0.75 2024-03-01 https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1614296861134-02DYMLUCTUOBAPROS7YT/Builder.jpg Personal https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1708557685316-ETLKZMRIZURST6N7MELH/image-asset.jpeg Personal https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1708557752145-4BEUXOLPELUWT92WD1BW/image-asset.jpeg Personal https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1708557780155-DPR2WLVOCHXLORKFVN1H/image-asset.jpeg Personal https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1708557885674-CH2SCBTT2YV89DKTNC1A/image-asset.jpeg Personal https://images.squarespace-cdn.com/content/v1/6033fe3152058c67d1e84e7f/1709261269089-0U1KVZ5W37MQMWYOGV5S/image-asset.jpeg Personal