Insurance tools
Numbers that help you ask better questions.
These simple NZD tools are designed as conversation starters. They do not recommend a policy or replace a personalised needs analysis.
Quick insurance tools
Turn a vague risk into a number you can discuss.
These NZD tools are conversation starters only. They do not replace personalised advice or policy-specific analysis.
Income resilience
What is the monthly gap if your income stops?
Enter essential household costs, reliable income that would remain and your current accessible savings.
i Educational estimate only. It does not account for ACC entitlements, sick leave, tax, waiting periods, benefit offsets, eligibility or changing expenses.
Life cover conversation starter
What financial gap might remain for your family?
Add major liabilities and a family support amount, then subtract existing life cover and accessible assets.
i This is not an insurance recommendation. A proper needs analysis may consider income replacement, tax, KiwiSaver, ownership, dependants, inflation, government support and other assets and liabilities.