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About

Protect Myself
Protect My Employee
Protect My Business
Grow My Wealth
About

Insurance Terms - Wiki

Does Vaping affect your insurance?

Does vaping affect life insurance? What may surprise you is that the cost of life insurance would roughly double if you vape. In other words,

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LifeCovered is a registered financial advisory firm based in Hamilton, New Zealand, founded in 2018. We provide personalised life, health, trauma, mortgage and income protection advice to doctors, dentists, veterinarians, self-employed professionals, business owners, and families across New Zealand — comparing the whole market to find the right fit, at no cost to you. We work with clients nationwide via Zoom, phone, and Google Meet. FSP675171.

Protect Myself

Life Insurance
Trauma Cover
Health Cover
Income Protection
Mortgage Protection
Level Premium Life
AIA Vitality

KiwiSaver

KiwiSaver

Protect My Employee

Group Life Insurance
Group Trauma Cover
Group Health Insurance
Group Income Protection
Group Total Permanent Disablement

Legal

Privacy Policy
Disclosure Statement
Duty of Disclosure

Protect My Business

ACC CoverPlus Extra (CPX)
Key Person Insurance
Shareholder Protection Insurance
Start-Up Income Protection

Contact

660 Victoria Street, Hamilton
[email protected]
0800259925
Contact Us

© 2026 LifeCovered

The Fine Print…

Yep, here comes the legal bit. LifeCovered operates this website to provide general information and education about insurance and financial protection. LifeCovered, established in 2018, is a registered Financial Advice Provider (FSP675171) and a trading name of LifeCovered Limited, authorised and regulated by the Financial Markets Authority (FMA).

We offer personalised financial advice tailored to your needs in areas like life insurance, trauma/critical illness, mortgage protection, income protection, health cover, and KiwiSaver.

We work with a handpicked panel of trusted insurers, selected for their strong financial backing, fair and consistent underwriting, and solid track record with claims. From this group, we compare a wide range of policies to help you find cover that fits your life, your needs, and your budget.

How we’re paid

When you take out a policy through LifeCovered, the insurance company pays us a commission, not you. That means our advice and service come at no extra cost. You’ll pay the same premium whether you go directly to the insurer or through us.

The difference? With LifeCovered, you get honest advice, tailored recommendations, and ongoing support, all included in the price. We compare the market to find the best fit for your situation, and because we’re not tied to any one insurer, our advice is always focused on what works best for you. No sales targets, no hidden agendas — just smart, straightforward guidance.

You’ll only receive personalised financial advice during a consultation, not from general content on this website.

While we keep the information on this site up to date, it may not apply to your specific situation. Any premium estimates shown are indicative only and subject to underwriting. The insurer will confirm final terms and pricing.

Please remember, the general content on this site isn’t personal advice. For financial decisions that affect you and your whānau, we recommend speaking with a qualified financial adviser, accountant, or legal professional.

LifeCovered is a registered financial advisory firm based in Hamilton, New Zealand, founded in 2018. We provide personalised life, health, trauma, mortgage and income protection advice to doctors, dentists, veterinarians, self-employed professionals, business owners, and families across New Zealand — comparing the whole market to find the right fit, at no cost to you. We work with clients nationwide via Zoom, phone, and Google Meet. FSP675171.

Protect Myself

Life Insurance
Trauma Cover
Health Cover
Income Protection
Mortgage Protection
Level Premium Life
AIA Vitality

KiwiSaver

KiwiSaver

Protect My Employee

Group Life Insurance
Group Trauma Cover
Group Health Insurance
Group Income Protection
Group Total Permanent Disablement

Legal

Privacy Policy
Disclosure Statement
Duty of Disclosure

Protect My Business

ACC CoverPlus Extra (CPX)
Key Person Insurance
Shareholder Protection Insurance
Start-Up Income Protection

Contact

660 Victoria Street, Hamilton
[email protected]
0800259925
Contact Us

© 2026 LifeCovered

The Fine Print…

Yep, here comes the legal bit. LifeCovered operates this website to provide general information and education about insurance and financial protection. LifeCovered, established in 2018, is a registered Financial Advice Provider (FSP675171) and a trading name of LifeCovered Limited, authorised and regulated by the Financial Markets Authority (FMA).

We offer personalised financial advice tailored to your needs in areas like life insurance, trauma/critical illness, mortgage protection, income protection, health cover, and KiwiSaver.

We work with a handpicked panel of trusted insurers, selected for their strong financial backing, fair and consistent underwriting, and solid track record with claims. From this group, we compare a wide range of policies to help you find cover that fits your life, your needs, and your budget.

How we’re paid

When you take out a policy through LifeCovered, the insurance company pays us a commission, not you. That means our advice and service come at no extra cost. You’ll pay the same premium whether you go directly to the insurer or through us.

The difference? With LifeCovered, you get honest advice, tailored recommendations, and ongoing support, all included in the price. We compare the market to find the best fit for your situation, and because we’re not tied to any one insurer, our advice is always focused on what works best for you. No sales targets, no hidden agendas — just smart, straightforward guidance.

You’ll only receive personalised financial advice during a consultation, not from general content on this website.

While we keep the information on this site up to date, it may not apply to your specific situation. Any premium estimates shown are indicative only and subject to underwriting. The insurer will confirm final terms and pricing.

Please remember, the general content on this site isn’t personal advice. For financial decisions that affect you and your whānau, we recommend speaking with a qualified financial adviser, accountant, or legal professional.