Life cover, worked out properly.
We compare NZ life insurance brokers and explain the policies in plain English — so kiwi families with a mortgage and dependents can pick a sum-insured that actually matches the gap, not the brochure.
- FSPR-registered brokers
- Whole NZ market
- Free cover calculator
The memorable detail
Work out the right number first.
Most kiwi families end up either over- or under-insured because they start with a quote, not a number. The calculator on the right takes thirty seconds and gives you a sensible starting figure based on the NZ heuristic — mortgage debt, ten years of household income, and a buffer per dependant, less your liquid assets.
It's not a substitute for adviser conversation; it's the figure to walk in with so you know whether the quote you're being shown is roughly right.
The Cover Calculator
● Worksheet · NZ heuristic
Sum-insured estimator
The directory
A few brokers worth knowing
FSPR-registered NZ life-cover advisers operating under licensed FAPs, across specialties — family cover, business cover, policy reviews. Browse the full directory by region.
Tasman Cover Advisory
Tasman Cover
Family-cover specialists for first-home owners with young dependants and a fresh mortgage.
Auckland Central
- Term life
- Income protection
- Trauma
- Total & permanent disability
Kowhai Financial Advisory Group
Kowhai Life Brokers
Bilingual (te reo / English) advisory with strong whānau-led financial planning.
Mt Eden
- Term life
- Trauma
- Mortgage protection
- Total & permanent disability
Harbour Bridge Risk Ltd
Harbour Bridge Advisory
Business-owner and key-person cover for North Shore SMEs and tradies.
North Shore
- Income protection
- Key-person
- Term life
- Total & permanent disability
South Coast Financial Services
South Coast Cover
Public-sector and tech-worker specialists — top-up rather than rip-and-replace.
Wellington Central
- Term life
- Income protection
- Trauma
By region
Find a broker near you
At least one vetted local adviser in each major NZ market. Click through for the regional brief and full broker list.
Why this site exists
Because the insurer's own marketing is the worst place to start a cover decision.
Insurers price for the lowest-risk version of you, then upsell. Brokers see every NZ insurer's pricing — and aren't paid more if you buy more.
01
We don't sell policies
We don't take commission from insurers. We point you at NZ-licensed brokers who work the whole market and explain every cover type in plain language first.
02
Whole-of-market view
Brokers we list access AIA, Asteron, Chubb, Fidelity, nib, Partners Life and the underwriters underneath. One conversation, every NZ insurer compared.
03
Built for kiwi families
The cover calculator is tuned for NZ households — mortgage debt, KiwiSaver, ACC overlap, paid parental leave. Not a US calculator with the dollar sign changed.
04
Independent reading
Our long reads are written by humans who've actually claimed on a policy. No insurer-funded blog posts, no affiliate-link bait, no scaremongering.
The long reads
Reading before you choose
Plain-English NZ-specific writing on the cover decisions kiwi families face — no insurer-funded content and no scaremongering.
Long read · 8 min · 22 April 2026
How much life cover do you actually need? A NZ-specific answer
The honest maths behind the 'sum-insured' decision — mortgage debt, dependants, KiwiSaver, ACC overlap and the headroom kiwi families consistently underestimate.
Read article →
Long read · 7 min · 23 April 2026
Term life vs whole-of-life in New Zealand — which one for you?
The genuine differences between term life, level term, and whole-of-life policies in the NZ market — and the situations where each makes financial sense.
Read article →
Long read · 6 min · 24 April 2026
Income protection vs mortgage protection — what's the difference, and do you need both?
A clear NZ comparison of income protection and mortgage protection cover, including the ACC overlap, the agreed-value vs indemnity question, and which one most kiwi households actually need first.
Read article →
Ask us directly
Want a broker introduction?
Tell us roughly what you're after and we'll match you with one or two FSPR-registered advisers who can quote across the whole market — no obligation, no on-sell.
- Every adviser is FSPR-registered and operating under a licensed FAP
- Free to ask, no obligation either way
- Whole-of-market quotes, not single-insurer pitches