About
The reference directory for NZ life insurance.
Plain-English coverage of New Zealand life, trauma, income protection and TPD cover, paired with a vetted directory of FSPR-registered advisers operating under licensed FAPs.
Why this exists
Life insurance in New Zealand is sold harder than it is bought. The biggest insurers spend tens of millions on television advertising aimed at families with mortgages, while almost no one explains what a sum-insured actually represents, what the agreed-value vs indemnity decision means, or where ACC stops covering you. The result is households who hold either too little cover or too much expensive cover — and rarely the right shape. This directory exists to close that gap.
How listings are vetted
The bar to be listed: registered on the NZ Financial Service Providers Register (FSPR), operating under a licensed Financial Advice Provider (FAP), actively broking NZ life and health cover, and in good standing with Financial Advice NZ where membership applies. Listings rotate as the scene changes.
The cover calculator
The calculator on the homepage is a starting-point tool, not personal advice. It uses the standard NZ adviser heuristic — outstanding mortgage, plus ten times household income, plus a buffer per dependant, less liquid assets — and lightly adjusts for age band. Every household has factors a calculator can't see (existing employer-group cover, trust ownership, blended families, ACC overlap), so the figure is intended to start a conversation with a broker, not to end one.
Editorial
Editorial team based in Aotearoa. NZ-specific writing on the cover decisions kiwi households face, with no insurer-funded copy.
Regulatory note
The information on this site is general and is not regulated financial advice under the Financial Markets Conduct Act. For advice tailored to your circumstances, speak with one of the FSPR-registered advisers listed in the directory.