Insights
Plain-English guides from our advisers
Practical articles on insurance, claims and KiwiSaver, written by Eduard du Toit. Articles are in English.
2026-10-12 · 5 min read
The birthday premium shock: why your insurance climbs in your 40s and 50s, and the level fix
Most Kiwis have stepped premiums that rise every birthday. In your 40s and 50s those rises get steep. Here is how stepped and level premiums work, and when to review before your health changes.
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2026-10-10 · 5 min read
ACC covers accidents, not illness: why a heart attack or cancer gets no ACC income support
ACC is one of the best accident schemes in the world, but it doesn't pay when illness stops you working. Here is where the gap is and how to close it.
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2026-10-05 · 6 min read
Moving to New Zealand from South Africa: what changes with your insurance and healthcare
Medical aid, gap cover and debit orders in rand don't translate neatly to New Zealand. Here is what to sort out in your first months, and in what order.
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2026-09-30 · 7 min read
Income protection for self-employed New Zealanders: what to check before you claim
If you work for yourself, the fine print in your income protection policy decides everything at claim time. Here is what to check now.
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