We're now in full swing of spring. The nicer, sunnier weather makes us smile when the sun's out.
We're The Insurance Team NZ. We're based in Napier, Hawke's Bay, and we work with people right across New Zealand by phone or video. This is a simple check-in on your insurance cover and your KiwiSaver. It's general information only, not personalised advice.
Take your time, do your review
More people have been booking a review with us to look over their cover. It's great to see, because it makes sure things are where they need to be.
That's why we say: take your time, do your review. Life changes, and your cover might not have changed with it. You may not have enough cover, or you may have forgotten about cover you have, or cover you don't have.
A new job, a new house, a new baby, or kids leaving home. Any of that can mean your cover needs a tweak.
Want us to look over it with you? Book a phone or video chat and we'll keep it simple.
If your health cover has gone up
Thinking of cancelling your health insurance because the price has gone up? Talk to us first. Changing your excess or dropping extras you don't use can help you keep the cover that matters most.
Your mind matters too
On 10 October it was World Mental Health Day. Your mind matters just as much as your body. Small things help, like a walk in the sunshine, a good night's sleep, or a cuppa with a friend.
Mental Health Awareness Week ran from 12 to 18 October, and this year it was all about belonging. So keep checking in on the people around you. Reach out, and let people in.
Need to talk? Free call or text 1737 any time, day or night, to talk with a trained counsellor.
Healthy body, healthy mind, healthy life
The Insurance Team is here to protect you. It's what we love, and we're good at it. We don't just talk about health cover. We live and breathe healthy body, healthy mind, healthy life, and we practise what we preach.
Looking after you means more than insurance alone. We want to help you grow your wealth as well.
A KiwiSaver check-in
As well as looking after your health, we can help with KiwiSaver. Here's a fun fact for you.
The average KiwiSaver balance has passed $40,000 for the first time. It's now $40,340, up from $36,349 a year before.
KiwiSaver keeps growing. There are now 3.44 million members, and together Kiwis have $138.8 billion in KiwiSaver. That's more than double what it was in 2020.
Figures as at 31 March 2026. Source: Financial Markets Authority (FMA), KiwiSaver Annual Report 2026, published 10 September 2026. The average is across all members, including children and people not currently adding money. Past growth doesn't tell us what will happen next.
Quick KiwiSaver reminders
Since 1 April 2026, the standard KiwiSaver amount from your pay is 3.5% (up from 3%), and your employer puts in more too. It goes up to 4% in April 2028.
If 3.5% feels tight right now, you can ask IRD (in myIR) to drop back to 3% for a while.
The government adds 25c for every $1 you put in, up to $260.72 a year. It's worth making sure you get it.
Source: Inland Revenue (ird.govt.nz), KiwiSaver changes.
Everyone's KiwiSaver is different, so don't worry about the average. What matters is that your fund type (like conservative, balanced or growth) fits you and your plans. If you haven't checked yours for a while, or you're not sure where it's at, let's take a look together.
A high-five for Lou
Our Lou has been named a top Platinum adviser for insurance with the Kiwi Adviser Network, the highest level they give. That means she's doing a great job looking after people like you. We're proud of her.
What clients say
"Lou is awesome to deal with. Made it easy and hassle free. Highly recommended!"
Ethan, client
Thank you, Ethan. Kind words like these make our day.
Common questions
Should I review my insurance if nothing feels urgent?
Take your time and do your review anyway. Life changes, and your cover might not have changed with it. A new job, a new house, a new baby, or kids leaving home can all mean your cover needs a tweak.
My health insurance has gone up. Should I cancel it?
Talk to us first. Changing your excess or dropping extras you don't use can help you keep the cover that matters most.
What has changed with KiwiSaver contributions?
Since 1 April 2026, the standard KiwiSaver amount from your pay is 3.5% (up from 3%), and your employer puts in more too. It goes up to 4% in April 2028. If 3.5% feels tight right now, you can ask IRD (in myIR) to drop back to 3% for a while. The government adds 25c for every $1 you put in, up to $260.72 a year.
Book a chat
If you'd like us to look over your cover or your KiwiSaver with you, get in touch. We work with people across New Zealand by phone or video, and we'll make it simple.
This is general information only. It is not personalised advice. Everyone's situation is different, so have a chat with us before you make a change.
