Free checks with a licensed NZ adviser
Life insurance and KiwiSaver are easy to set up and forget. Compare Kiwi puts you in touch with a licensed adviser for a free, plain-English check, and a straight answer about whether anything needs to change.
Check whether your premiums and cover still make sense, compared with what's available from 8+ NZ insurers. No cover yet? Find out what you actually need.
Start my insurance checkFind out which fund you're in, what you're paying in fees, and whether it still fits your plans for a first home or retirement.
Start my KiwiSaver checkHow it works
About a minute. No medical questions, no documents and no statements needed to start.
One real person calls you at a time that suits. They explain what you've got in plain English.
Keep it, adjust it, or change it. Any recommendation comes with full advice first, and nothing changes without your say.
Why Compare Kiwi
Your details go to one licensed NZ adviser. They aren't sold on, and you won't get calls from a dozen people.
No jargon and no hard sell. You'll understand what you're paying for, what it covers, and what it doesn't.
Changing insurance can mean new exclusions, and switching KiwiSaver at the wrong time can lock in losses. If staying put is better, that's what you'll hear.
Insurance
Premiums on most life and health policies rise as you get older, and cover that suited you five years ago may not fit your mortgage, family or income now. A check looks at both: what you're paying, and whether the cover still matches your life.
Check my insuranceKiwiSaver
Plenty of people are still in the fund they were put in when they started work. The default contribution rate rose to 3.5% on 1 April 2026, and the government contribution is now 25 cents per dollar, up to $260.72 a year. Worth making sure your fund is pulling its weight.
Check my KiwiSaverGuides
Plain-English guides to life insurance and KiwiSaver in New Zealand.
Stepped premiums, inflation adjustments and repricing, and what you can do about them.
Read the guide Life insuranceA simple way to work out your number, with a worked example.
Read the guide Life insuranceUnderwriting, exclusions and definitions: what a cheaper quote might not tell you.
Read the guide KiwiSaverNew contribution rates and a smaller government contribution. What it means for you.
Read the guideFair questions
The check is free and there's no obligation. If you take up a recommendation, the adviser may be paid by the insurer or KiwiSaver provider, for example through commission. Before any advice, you'll get disclosure information explaining exactly how they're paid and any conflicts of interest.
Compare Kiwi is a marketing and introduction service. We don't give financial advice, and we're not an insurer or KiwiSaver provider. We put you in touch with a licensed NZ financial adviser. How Compare Kiwi works
A licensed financial adviser based in New Zealand. Before any advice is given, they'll email you their name, licence details, the services they provide and how to complain if something goes wrong.
No. For insurance, the adviser compares cover from the more than 8 NZ insurers they work with. That's plenty of choice, but not the whole market. You'll be told exactly which providers before any advice.
No. Your details go to one adviser only. They aren't sold or passed to call centres, and you can ask us to stop contacting you at any time.
