A collection of timely articles anything life & health insurance related. Please note these articles are not advice. Get in touch with us for specialist life & health insurance advice.
Best Life Insurance Companies of 2025 in New Zealand Top Rated Life Insurance Companies Choosing a life insurance provider involves evaluating key factors like claims reliability, financial strength, and policy benefits. Claims data sheds light on how consistently insurers deliver on their promises. Policies are reviewed to confirm they address diverse customer needs and provide … Read more
What is life insurance underwriting? What is Underwriting in life insurance? Underwriting is the process life insurers use to decide if they can offer you coverage and on what terms. It’s how they work out the level of risk you pose before approving your application. The insurer looks at things like: Your age and gender … Read more
What is Premium Holiday in life Insurance? A Premium Holiday is a built-in feature of some life insurance policies that lets you take a break from paying premiums, without losing your cover. You can usually apply for a premium holiday if: You’ve had the policy in place and paid premiums for at least six months, … Read more
Question Is Trauma Insurance Worth It? Answer Yes, trauma insurance is worth it if you struggle financially due to a severe illness diagnosis because trauma insurance can replace your loss of income. When you take out trauma insurance, you’re not just protecting your wallet — you’re protecting your lifestyle, your recovery, and your whānau if … Read more
Question Is Income Protection Insurance Tax Deductible? Answer Yes, income protection premiums may be allowed as a tax deduction if the insurance pay-out would be taxable. Find the Best Income Protection Plan for You Get free quotes and compare life insurance policies. GET QUOTES Loss of earnings/profits insurance tax deductions A loss of earnings or … Read more
What is a health insurance exclusion? An exclusion is a treatment or medical condition not covered by health insurance. Excluded treatments are listed in the policy, aren’t paid for by the insurer, and don’t count toward the excess. LifeCovered explains the fine print to avoid unexpected costs when they matter most. Having helped hundreds of … Read more
What is a health insurance excess? What is excess on health insurance? Health insurance excess is the amount you agree to pay out of your own pocket when making a claim. It’s your share of the costs before your insurer covers the rest. You choose the excess amount when you take out your policy – … Read more
Everyday vs Comprehensive Health Insurance: What’s the Real Difference? The main difference between everyday and comprehensive health insurance is coverage scope. Comprehensive health insurance covers major medical events like surgery, hospitalization, or cancer treatment. Everyday health insurance covers routine healthcare costs such as GP visits, prescriptions, dental, and optical services. When choosing private health insurance, … Read more
Hospital and Surgery Costs in New Zealand Health care is big business, and in 2022, New Zealanders paid the price, with health spending reaching $6,061 per person and totalling NZD 46.4 billion, according to the OECD¹. The average per-day cost of a hospital stay in New Zealand can vary, but it’s estimated to be around … Read more
Southern Cross Wellbeing One vs nib Premier Business Health: Which is better? Southern Cross Wellbeing One vs nib Premier Business Health: Both offer similar group health insurance benefits, but NIB Premier Health stands out. nib Premier Business Health covers diagnostic imaging without the 6-month or related surgery limits seen in Wellbeing One. Plus, cancer treatment … Read more
LifeCovered is a New Zealand-based insurance advisory firm, founded in 2017. We provide tailored advice on life, health, disability insurance and KiwiSaver, to help professionals protect their income and grow long-term savings.
Yep, here comes the legal bit. LifeCovered operates this website to provide general information and education about insurance and financial protection. LifeCovered, established in 2017, 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.
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 New Zealand-based insurance advisory firm, founded in 2017. We provide tailored advice on life, health, disability insurance and KiwiSaver, to help professionals protect their income and grow long-term savings.
Yep, here comes the legal bit. LifeCovered operates this website to provide general information and education about insurance and financial protection. LifeCovered, established in 2017, 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.
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.