Hi there,
With Christmas and the New Year just a few weeks away, I wanted to reach out before the flood of festive messages begins. Wishing you and your family a very Merry Christmas and a Happy New Year!
December and January are always interesting months. People tend to drive a little faster – and sometimes a little more recklessly. In my experience, insurance claims are at their highest during this period. With that in mind, I’d like to talk about the real cost of being underinsured or uninsured.
The cost of being underinsured or uninsured
When the unexpected happens, not having enough cover can mean dipping into savings, relying on family support, or making tough lifestyle adjustments. These may work for a short time, but they’re rarely sustainable.
That’s where personal insurance becomes essential.
Different covers for different needs
Each type of personal insurance is designed to relieve a specific kind of financial pressure:
- Life Insurance – Provides a lump sum if you pass away, helping your family with living costs, raising children, or repaying debts.
- Trauma / Critical Illness Cover – Pays a lump sum if you experience a major medical event such as cancer, stroke, or heart attack.
- Income Protection – Helps cover mortgage or rent payments and everyday living expenses if you’re unable to work due to illness or injury.
- Health Insurance – Covers treatment costs not funded by the public system and can help you access care more quickly.
No single cover suits every situation. Many people combine different policies to build a financial safety net that fits their household’s needs. I can help you design a personalised protection plan based on your circumstances, goals, and budget.
Why do some people go without cover
Common reasons include “I’ll be fine” or “It’s too expensive.” Others assume savings, KiwiSaver savings, or employer benefits will always see them through.
In reality, unexpected events can quickly drain reserves-especially if income stops while regular expenses like the mortgage, groceries, and power bills continue.
The value of good advice
Insurance doesn’t have to feel overwhelming or unaffordable.
I’m here to help you:
- Identify the risks most relevant to you
- Match the right cover to your goals and lifestyle
- Balance premiums with practical levels of protection
- Review and update your cover as life changes
For me, insurance is ultimately about peace of mind, knowing that if the unexpected happens, you and your family are protected.
Generate KiwiSaver promotion – win a share of $5,000!
Generate is running an exciting referral promotion, giving three lucky winners the chance to share $5,000 in vouchers for popular retailers such as House of Travel, Ticketek, New World, Noel Leeming, and more.
How to enter:
Simply refer your friends and family to Generate KiwiSaver by emailing or texting me their contact details. I’ll reach out to help them review the KiwiSaver options available through the Generate KiwiSaver Scheme. The more people you refer, the more chances you have to win!
Promotion period: 1 October – 31 December 2025
Winners announced: 15 January 2026
Full terms and conditions: Click here to view.
Why refer?
A well-structured, higher-performing KiwiSaver account can make a meaningful difference-whether you’re building your first home deposit or planning for a more comfortable retirement.
