The long reads
Reading before you choose
NZ-specific writing on life insurance decisions — without the insurer-marketing gloss or the 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 →