FAQs
We understand that you may have a lot of questions about insurance and KiwiSaver, so let's answer them below. If you do not see your question contact us today and let our friendly team answer your questions over the phone, by email or in person.
Insurance FAQ
Why use an Insurance Broker?
Trying to navigate your way through what insurance you may need can be very daunting as there are so many options and variations and it can be devastating if you get it wrong. It pays to have an insurance broker with you.
An insurance adviser works for you and not the insurer, they are experts in the market and look at various companies to ensure you get the best tailored package to meet your lifestyle and risk. Your broker is then there with you as your lifestyle changes.
How does Insurance help me?
Personal living insurances help to protect you financially if you were to get sick or injured. This can help in the way of lump sum/monthly payments to be used to support you and your family who may rely on your income: paying the mortgage, other debts or covering household bills. By having this cover it will remove the risk of being financially strained in the event of an unforeseen circumstance happening.
What does it cost to use an Insurance Broker?
Once we have found the provider that is best for you, we are paid our commissions by the insurer when a cover has been agreed and issued.
How much does insurance cost?
Each insurance is tailored specifically to you and your risk lifestyle. As such the insurance package can always be adapted to change and fit your budget needs. The main goal here is to get some protection, as even a little bit is better than none at all!
Are you easily contactable?
Absolutely! Once you are a client we are always on hand for any queries or changes you may have, and in the event of a claim being required we are right there with you to help you through the process.
Do you have a newsletter?
Yes! You can keep up to date with past newsletters, here.
KiwiSaver FAQ
What is KiwiSaver and how does it work?
KiwiSaver is a voluntary savings scheme designed to help New Zealanders save for retirement.
Your KiwiSaver balance is built from three main contributions:
Your contributions – automatically deducted from your pay or made voluntarily.
Employer contributions – if you’re eligible, your employer adds a percentage on top.
Government contributions – each year, the Government contributes up to $521.43 when you put in at least $1,042.86.
Together, these contributions grow through your chosen fund’s investments, helping you move closer to your goals.
How do I choose the right KiwiSaver fund?
Selecting the right fund depends on your risk tolerance, investment goals, and time frame until retirement. It's important to compare fees, performance history, and investment strategies of different funds.
What are themain KiwiSaver funds
When you join KiwiSaver, you get to choose how your money is invested. The main fund types are:
Conservative Fund – lower risk, steady growth, less fluctuation.
Balanced Fund – a mix of growth and stability.
Growth Fund – higher risk with potential for bigger returns.
Aggressive Growth Fund – for maximum growth if you’re saving long-term.
Cash Fund – very low risk, best for short-term savings.
We’ll help match your fund to your goals, your timeframe and your comfort with risk.
Can I withdraw my KiwiSaver funds early?
Yes, you can withdraw your funds early under certain circumstances, such as purchasing your first home, severe financial hardship, or significant health issues. Specific criteria must be met.
What happens if I change jobs?
Your KiwiSaver account remains active even if you change jobs. You can either continue contributing to your current fund or choose to opt for a different provider with your new employer.
How do government contributions to KiwiSaver work?
The government contributes to your KiwiSaver account through the Member Tax Credit, which matches your contributions up to a certain limit each year, subject to eligibility criteria.
