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Life Insurance Articles

Decoding Income Insurance: Key Terms Every Kiwi Should Know

Income insurance might not be the first thing that comes to mind when planning your finances, but it's one of the most crucial elements to consider. Picture this: you're managing well enough, budgeting your expenses with your regular paycheck, when suddenly an unexpected event like illness or injury prevents you from working. This is where income insurance becomes a financial lifesaver. - read more

How to Evaluate Income Insurance Providers

Income insurance may not be the first thing that comes to mind when considering personal finances, but its role in ensuring financial stability is crucial. By replacing a portion of your income if you’re unable to work due to illness or injury, income insurance provides a safety net that can help maintain your quality of life during challenging times. - read more

What Income Protection Insurance Covers in New Zealand

Income protection insurance can help replace part of your income if illness or injury stops you working, but it has important limits. This guide explains what income protection usually covers in New Zealand, how it may interact with ACC and employer sick leave, and why redundancy is often treated differently. - read more

Tax and Income Protection Insurance in New Zealand

Income protection insurance can have tax implications in New Zealand. This guide explains how premiums and payouts may be treated, what can affect the outcome, and when to seek tax advice. - read more

How Income Protection Insurance Costs Are Calculated in New Zealand

Income protection insurance premiums in New Zealand are influenced by your age, occupation, income, health, waiting period, benefit period and policy features. Understanding these cost factors can help you compare quotes more clearly and avoid choosing cover based on price alone. - read more

Insurance News

Rising Arrears Show Why Your Pay Needs a Backup Plan

11 Aug 2026: Paige Estritori

Fresh business reporting on household credit stress is a useful reminder that financial resilience is not only about interest rates or budgeting discipline. More New Zealand borrowers are finding it harder to stay on top of mortgages, personal loans, credit cards and other regular commitments. For working households, that pressure can become far more serious if illness or injury suddenly stops pay coming in. - read more

Fair conduct focus puts income cover quality back on the agenda

04 Aug 2026: Paige Estritori

Recent industry coverage of New Zealand’s financial conduct settings is a timely reminder that insurance is not just about having a policy document in place. The wider conduct regime for financial institutions has shifted attention from one-off sales processes to the ongoing treatment of customers, including whether products are suitable, clearly explained and supported when people need help. - read more

Why insurance complaint trends matter before you need to claim

28 Jul 2026: Paige Estritori

Fresh industry attention on insurance complaints is a useful reminder that the real test of any policy comes at claim time. For New Zealand households relying on regular wages, the issue is especially important when the cover is designed to replace income after illness or injury. - read more

What NZ’s snow injury surge says about protecting your pay

21 Jul 2026: Paige Estritori

New Zealand’s winter injury data is a timely reminder that a day off can become a financial event very quickly. Insurance Business has reported that snow sports injury claims reached a five-year high, with ACC accepting 8,309 skiing claims at a cost of $32 million and 5,425 snowboarding claims at a cost of $14 million for 2025. For households that rely on regular wages, the issue is not only the medical bill. It is the income interruption that can follow. - read more

Why insurer technology resilience matters when you need to claim

14 Jul 2026: Paige Estritori

A new regulatory focus on insurer operational resilience is a timely reminder that an income insurance policy is only as reassuring as the systems behind it. The Financial Markets Authority review, reported by Insurance Business in July 2026, found that many New Zealand insurers are still relying on ageing technology for core operations, while also managing significant outsourcing and cyber-security pressures. - read more

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