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Life Insurance Articles

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

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

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

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

Income Protection Insurance for Self-Employed People and Contractors in New Zealand

Self-employed New Zealanders, contractors, freelancers and sole traders can often apply for income protection insurance, but variable income, proof of earnings, ACC settings and business structure can affect eligibility, cover levels and claims. - read more

Insurance News

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

Why Delayed Life Milestones Could Widen New Zealand’s Income Protection Gap

11 Jul 2026: Paige Estritori

New Zealand’s younger workers are reshaping the traditional path into insurance. Fresh industry reporting, drawing on Deloitte’s 2026 Gen Z and Millennial Survey and Financial Services Council research, points to a clear shift: many Gen Z and millennial New Zealanders are delaying major life decisions because of financial pressure. Home ownership, starting a family and career changes have long been moments when people reassess life, mortgage and income protection cover. - read more

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Knowledgebase

Insurance broker:
An agent acting on behalf of the insured (not the insurance company) who negotiates the terms and cover provided by the insurer in the insurance policy.

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