Insurance that's your financial safety net
Protect your family, your income and your home, with affordable cover now and a plan that still lets you reach your goals.
Personal insurance protects your family if you die, get seriously ill or can't work. The main types are life insurance, income or mortgage protection, trauma, health and TPD cover. At Moneyplant in Papakura, we compare leading New Zealand insurers and explain your options in plain English, at no cost to you.
Reviewed by Kyle Hasson, Insurance and KiwiSaver Adviser (FSP1010252) · Updated September 2026
What we can help you with
Life insurance
A lump sum for your family if you die, and most policies pay early if you're diagnosed with a terminal illness. Usually set up to clear the mortgage and replace your income for a few years.
Find out moreIncome protection
Pays a monthly benefit, usually up to around 75% of your pre-tax income, if illness or injury stops you working. It fills the gap ACC leaves, because ACC only covers accidents.
Find out moreMortgage protection
A monthly amount towards your mortgage or rent if you can't work. Often simpler and more affordable than full income protection, but it only covers housing costs.
Find out moreTrauma insurance
A lump sum if you're diagnosed with a serious condition like cancer, a heart attack or a stroke, to use however you need while you recover.
Find out moreHealth insurance
Pays for private specialists, scans and surgery, so you can be treated sooner than on a public waiting list. Pre-existing conditions are usually excluded.
Find out moreTPD insurance
A lump sum if illness or injury leaves you permanently unable to work, to help pay off the mortgage and fund changes like home modifications or care.
Find out moreClear advice, no pressure
Free chat
We talk about your family, home, income and what worries you most. No cost or obligation.
We compare insurers
We look across leading NZ insurers to find cover that fits your needs and budget.
Advice in writing
You get clear, written advice explaining what we recommend and why.
With you at claim time
We review your cover as life changes, and help you if you ever need to claim.
Why ACC isn't enough
ACC covers injuries from accidents, but not illness. If cancer, a heart condition or a mental health condition stops you working, ACC won't replace your income. That's the gap personal insurance is designed to fill.
Protect your mortgage from day one
Buying a home is the best time to set up cover. Our insurance and mortgage advisers work side by side, so your life and mortgage protection can be in place from settlement day.
Getting the balance right
- Affordable premiums now, focusing first on the cover that matters most.
- Less cover needed over time as your mortgage shrinks and your savings grow.
- Regular reviews so your cover keeps up with a new baby, a new job or a new home.
Which cover does what?
| Cover | How it pays | When it pays | Mainly used for |
|---|---|---|---|
| Life insurance | Lump sum | If you die, or are diagnosed with a terminal illness | Clearing the mortgage and supporting your family |
| Trauma | Lump sum | On diagnosis of a listed serious illness | Breathing room while you recover |
| Income protection | Monthly | If illness or injury stops you working | Replacing lost income |
| Mortgage protection | Monthly | If illness or injury stops you working | Keeping up mortgage or rent payments |
| TPD | Lump sum | If you're permanently unable to work | Debts and long-term costs |
| Health insurance | Pays treatment costs | When you need private treatment | Faster access to surgery and specialists |
Example: a young family in Takanini
Sam and Aroha have two young children and a $600,000 mortgage. Sam earns most of the household income, and Aroha works part-time. If something happened to either of them, the mortgage and day-to-day costs would quickly become a problem.
A plan we'd typically talk through with a family like this might include life cover to clear the mortgage and support the children, income or mortgage protection for Sam as the main earner, and trauma cover for both of them. The right mix depends on their budget and priorities, so we'd start with the most important cover first and build from there. This is an illustrative example, not a recommendation.
What affects the cost of insurance?
- Your age, health and whether you smoke or vape: the biggest factors for most people.
- Your occupation: especially for income protection and TPD.
- How much cover you choose: and, for income protection, the wait and benefit periods.
- Stepped or level premiums: stepped start cheaper and rise with age; level start higher but stay more stable.
How claims work
If you need to claim, get in touch with us first. We'll help you complete the claim forms, liaise with the insurer, and follow up if they need more information, such as medical records. Having an adviser matters most at claim time, when you've got enough on your plate.
Sources and further reading: ACC: what ACC covers
Kyle Hasson is an Insurance and KiwiSaver Adviser at Moneyplant in Papakura (FSP1010252), with a New Zealand Certificate in Financial Services (Level 5). Meet the team
How much cover might your family need?
A quick way to see how much life insurance could clear your debts and support your family if you weren't here. Fill it in for each person you want to cover.
| Debts, including your mortgage | – |
| Income support for your family | – |
| Children, funeral and emergency fund | – |
| Less savings and existing cover | – |
| Income protection at 75% | – |
| Trauma cover, a common starting point | – |
This calculator gives a rough guide only and isn't financial advice or a recommendation to buy any product. Income support uses the level you choose: 45%, 62.5% or 75% of your income before tax, or 110% of your mortgage or rent payment, in line with the levels insurers commonly offer. It doesn't allow for inflation or interest. The trauma figure is a common rule of thumb (one year's income), not a rule. Your health, other covers such as ACC, and your family's plans all affect what's right for you. Kyle Hasson, Insurance and KiwiSaver Adviser (FSP1010252), Moneyplant Financial Services Ltd (FSP1005259).
Insurers we compare
We compare cover from leading New Zealand insurers, so you can see the differences in price, benefits and how they treat claims.
Insurance questions
Can't see your question? Give us a call or send us a message. See our public disclosure for full details of fees and commissions. Looking for KiwiSaver advice too?
Does insurance advice cost anything?
No, you don't pay for our advice. The insurer pays Moneyplant a commission when a policy is placed. If you cancel within 24 months, a clawback fee may apply, as explained in our public disclosure.
Doesn't ACC cover me?
ACC covers injuries from accidents, not illness. Most long periods off work are caused by illnesses like cancer, heart conditions or mental health, which is why income protection, trauma and life cover matter.
How much insurance do I need?
It depends on your mortgage, debts, income, family and budget. We work out what would need to be covered and what you can comfortably afford, then prioritise the most important cover first.
Can I get cover with a health condition?
Often yes. The insurer may charge more, exclude something or ask for more information. We help you apply the right way and compare how insurers treat your condition.
Should I switch my existing insurance?
Be careful. Switching can mean losing cover for conditions that developed while you were insured. We'll review what you have and only recommend changes that genuinely leave you better off.
Let's make sure your family's protected
Leave your details and Kyle will call you back within one working day. No cost and no obligation.
Request a call