You Asked, We Answered
Insurance and KiwiSaver can raise a lot of questions, especially when you’re trying to work out what applies to your situation. Below, you’ll find answers to some of the questions we’re asked most often by our clients in Hawke’s Bay and across New Zealand.
If you don’t see what you’re looking for, you’re welcome to get in touch and have a conversation with Lou.
Insurance FAQ
Why use an Insurance Broker?
Insurance can be complex, with different options, definitions, and fine print. Getting it wrong can have real consequences.
An insurance broker works for you, not the insurer. We compare options across multiple providers, explain what actually matters, and help you put cover in place that fits your life and risk. As things change, we’re there to review and adjust your cover over time.
What does it cost to use an Insurance Broker?
Our advice is paid for by the insurer through commission once cover is agreed and put in place. We’ll always be transparent about how we’re paid, and full disclosure details are available if you’d like to know more.
How much does insurance cost?
Insurance is personal, the cost depends on your health, lifestyle, income, and what you want to protect.
Cover can be adjusted to suit your budget, and we believe that having some protection in place is better than having none at all. Our role is to help you prioritise what matters most and build cover that feels realistic.
Are you easy to get in touch with?
Yes. Once you’re a client, we’re available for questions, updates, or changes as life evolves. You’re not left dealing with insurers on your own.
What happens if I need to make a claim?
If you need to claim, we support you through the process, from paperwork to communication with the insurer. Our role is to advocate for you and help make a stressful time easier.
How does insurance help me?
Personal insurance is designed to protect you financially if illness or injury affects your ability to work. Depending on the type of cover, it can provide a lump sum or ongoing payments to help support you and those who rely on your income.
That support can be used to cover everyday essentials like your mortgage or rent, household bills, and existing debts, reducing financial pressure at an already difficult time. Having the right insurance in place helps create breathing room, so you can focus on recovery rather than worrying about money.
KiwiSaver FAQ
What is KiwiSaver and how does it work?
KiwiSaver is a voluntary, long-term savings scheme designed to help New Zealanders prepare for retirement.
Your balance is made up of:
Your own contributions
Employer contributions (if eligible)
Government contributions (up to a yearly limit, if criteria are met)
These contributions are invested through your chosen fund, with returns growing over time.
How do I choose the right KiwiSaver fund?
The right fund depends on your timeframe, risk tolerance, and goals. Fees, investment mix, and how long you plan to stay invested all matter. We help you understand whether your current fund still makes sense and explain your options clearly if it doesn’t.
What types of KiwiSaver funds are there?
Common fund types include; conservative, balance, growth, aggressive, cash.
Each carries a different level of risk and potential return. We help match your fund to your goals and comfort level, rather than guessing.
Can I withdraw my KiwiSaver funds early?
In some situations, yes, such as buying your first home, serious illness, or financial hardship. Eligibility rules apply, and we can help you understand what’s possible.
What happens to my KiwiSaver if I change jobs?
Your KiwiSaver stays with you. Contributions may pause or restart depending on your employment, and you can choose whether to stay with your current provider or switch.
How do government contributions to KiwiSaver work?
If you’re eligible and contribute enough each year, the government adds a contribution to your KiwiSaver account, up to a set annual limit.
