Your insurance needs change as your life changes—and without regular reviews, you might end up paying too much or not having enough cover when you really need it. Taking time to review your insurance helps you stay protected and can even save you money.

Before you start house hunting, it’s important to know exactly how much you can afford to borrow. A home loan pre-approval doesn’t just give you a number—it gives you confidence, focus, and a realistic understanding of your buying power.

If you're young and in good health, life insurance might not seem like a priority—but that's exactly when it can be most affordable and easiest to get. Starting early can give you peace of mind, financial security, and protection for the people you care about most.

Regular health screenings help catch problems early—often before you notice any symptoms. From heart checks to skin exams, knowing what to look for (and when) can make a huge difference to your long-term health.

If you pass away without a will, your money and belongings may not go to the people you would have chosen. Instead, the law decides who gets what—and the process can be slower, more expensive, and more stressful for your loved ones.

When you take out an insurance policy, it might seem obvious that you own it—but ownership is more than just whose name is on the form. Understanding who owns your policy can affect who gets paid, who can make changes, and how claims are processed.

Insurance policies often come with terms like “exclusions” and “loadings” that can be confusing at first. Understanding what these mean can help you make smarter decisions about your cover and avoid surprises later on.

If someone dies from an accident in New Zealand, ACC offers financial support to help ease the burden on their loved ones. This includes funeral grants, one-off payments, and ongoing income support for dependants.

If you’re injured in an accident, ACC helps cover the cost of treatment, rehabilitation, and time off work—without needing to prove who was at fault. It’s New Zealand’s way of making sure you get support when life takes an unexpected turn.

Mortgage protection and income protection might sound similar, but they serve very different purposes. Knowing the difference helps you choose the right cover to protect your income, your home, or both—depending on your needs.

If you’ve joined KiwiSaver but never picked a fund, chances are you’re in a default fund. These are designed to be a simple starting point, but they may not be the best fit for your long-term goals. Understanding what a default fund is—and whether it’s right for you—can make a big difference to your future savings.

Travel insurance is your financial safety net when you’re away from home. Whether it's a missed flight, lost luggage, or a sudden illness overseas, having cover can save you from costly surprises and added stress during your trip.

Critical illness and medical insurance both offer financial protection when health issues arise—but they serve very different purposes. Understanding how each works helps you make the right choices for your personal situation.

Managing money can feel overwhelming—but a simple system of using multiple bank accounts can help you stay organised, control spending, and stick to your budget. Splitting your income into separate accounts for bills, spending, and savings makes it easier to see where your money goes and stay in control.

Money can be one of the hardest topics to talk about in a relationship—but it’s also one of the most important. Whether you’re just starting out or have been together for years, learning how to talk openly about finances helps build trust, reduce tension, and keep your future goals aligned.

When payday rolls around, it’s easy to pay all your bills, treat yourself a little, and then hope there’s something left over to save. But what if you flipped the script? Paying yourself first is a simple budgeting method that helps you prioritise saving before spending—and it can make a big difference to your long-term financial wellbeing.

Juggling multiple debts can feel overwhelming—especially when they all have different interest rates, due dates, and payment amounts. A debt consolidation loan simplifies your finances by combining multiple debts into one. For many people, this can reduce stress, save money, and make it easier to stay on top of repayments.

An Enduring Power of Attorney (EPA) is a legal document that allows someone you trust to make decisions on your behalf if you’re no longer able to do so. It’s not just for older adults—accidents and health events can happen at any age. Putting an EPA in place helps ensure your wishes are respected and your affairs are managed by someone you choose, not someone appointed by the courts.

Many New Zealanders rely on both ACC and insurance to protect their income. When it comes to Mortgage Protection Cover it’s important to understand how these supports work together. While both provide help if you can’t work there are key differences in how they apply and in turn how they affect each other.

KiwiSaver is a long-term savings scheme designed to help you set aside money for your retirement or for a first home deposit. If you're just getting started then knowing how KiwiSaver works can help you make the most of your contributions and build a stronger financial future.