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Guides

Understand cover before you compare it.

Plain-language explanations of how life insurance works in New Zealand and Australia, what the key terms mean, and how to read your own policy.

Guides

Start with the terms that matter most.

work6 min readOwn occupation vs any occupation TPDThe disability definition decides whether a claim is paid. Here’s how the two tests differ.Read the guidearrow_forwarddescription5 min readWhat your policy schedule can tell youPersonal exclusions, loadings and premium type often appear only in the schedule.Read the guidearrow_forward
By country

How buying cover differs.

flagNew ZealandMost life cover is bought directly or through a licensed financial advice provider. Advisers must disclose how they’re paid. Bob checks each adviser against the Financial Service Providers Register.
flagAustraliaMany people hold some life and TPD cover inside superannuation, where TPD must use an any-occupation style definition. Cover held outside super can use own occupation.
Put it into practice

Tools to use alongside the guides.

Compare insuranceEvery policy, with the evidence behind each term.OpenUnderstand my policyUpload a policy and see what it covers.OpenFind an adviserVerified advisers, free to contact.Open
Keep exploring
How we stay fairThe rules every listing follows.OpenInsurersWho stands behind each brand.OpenBlogNotes on insurance, data and fairness.Open