For Kiwis who already have life insurance
Get a free 15-minute check with a licensed NZ adviser. We look at what you've got, compare it with what's available from the 8+ NZ insurers we work with, and give you a straight answer. Sometimes that answer is keep what you've got.
No cover yet? We'll help you work out what you actually need.
How it works
About a minute. No health questions and no documents.
One real person, not a call centre. They'll talk you through what you've got, or what you might need, in plain English.
Keep it, adjust it, or look at something new. Any recommendation comes with full advice first, and nothing is cancelled until new cover is confirmed.
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.
Life, trauma, income protection, mortgage protection, health and TPD cover from more than 8 New Zealand insurers. Not every insurer, but plenty of choice.
Switching can mean new exclusions or losing benefits you already have. If your current policy is the better deal, that's what you'll hear.
Quick guide
General information only. What a policy actually covers depends on its wording. Want more detail? Read why premiums go up and how much cover you need.
Pays a lump sum if you die and, with most policies, if you're diagnosed with a terminal illness. Families often use it to pay off the mortgage and cover living costs. Whether it's enough depends on how much cover you have against what you owe now.
ACC covers accidents, not illness. Trauma cover pays a lump sum if you're diagnosed with a serious condition listed in the policy, such as some cancers, heart attack or stroke. Definitions vary a lot between insurers and policy versions.
Pays a monthly benefit if illness or injury stops you working, typically up to 75% of your pre-disability income depending on the policy. Wait periods, benefit periods and ACC offsets all change what you'd actually get.
Covers your mortgage repayments for a set period if you can't work because of illness or injury. It's often simpler to claim on than income protection, but it covers less.
Pays for private surgery, specialists and tests, so you're not waiting on the public list for non-urgent treatment. Premiums usually rise with age, so it's worth checking you're not paying for extras you don't use.
Fair questions
The check is free and there's no obligation. If you take out a policy on the adviser's advice, the insurer pays them a commission. If you keep what you've got, they aren't paid. That's a conflict of interest, which is why every recommendation follows a documented advice process. Before any advice, you'll get disclosure information explaining exactly how the adviser is paid.
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. 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 insurers before any advice.
Only if it's actually better for you. Older policies can have benefits that aren't available any more, and a new policy means fresh underwriting, which can bring new exclusions or loadings. Often the right answer is to keep your policy, or adjust it with your current insurer.
Yes. The chat starts with what you'd want covered and what you can comfortably afford, then works out which types of cover matter most for you. No pressure to buy anything.
No. Never cancel existing cover until any new cover has been accepted and you understand the differences.
