Am I saving enough for my retirement? How much money do I need to live on? And when do I stop working? Your expenses, future sources of income and KiwiSaver savings are essential pieces of the puzzle that make up your future plan.
Am I saving enough for my retirement? How much money do I need to live on? And when do I stop working? Your expenses, future sources of income and KiwiSaver savings are essential pieces of the puzzle that make up your future plan.
As we age, maintaining our quality of life matters more. Yet many Kiwis cancel insurance as it becomes unaffordable — often when they need it the most.
To maintain their standard of living in retirement, most Kiwis need to supplement their NZ Super either by their Kiwisaver, or by working past 65*.
Planning now can ensure you have access to urgent Medical Care when you need it, instead of waiting in a queue for Government Funded Healthcare.
Levelling your Cover can future-proof your insurances and bring significant cost saving advantages in the long term.
Do you know what your KiwiSaver balance will be when you turn 65?
This Cover helps you access treatment urgently and when you need it, instead of waiting in a queue for government funded healthcare. It covers healthcare costs, specialist visits and diagnostics, as well as the direct and indirect costs associated with surgical and non-surgical treatment and non-PHARMAC funded drugs.
This provides financial support to your loved ones, in the case of premature death. Life Cover can ensure that those you leave behind are not left in hardship and can clear debt as well as pay for funeral and legal costs. As your Mortgage decreases and your KiwiSaver balance increases, the amount of Life Cover you need, reduces.
A one-off cash injection that’s paid out at the time of diagnosis on a specified number of commonly occurring serious medical conditions like cancer, heart attacks and strokes. This can offset your medical costs and buy you options. 'Accelerating' this Cover against your Life Cover is cost effective as it reduces the amount of Life Cover by the amount of the Trauma Claim.
There’s no financial advantage or cost saving, if you deal directly with an Insurance Company. There are three things to think about when talking to a Financial Adviser.
Trustindex verifies that the original source of the review is Google.
I can't recommend Shona enough. My husband and I had a tricky Insurance situation and we both had differing opinions about Insurance. Shona was genuine, thoughtful and extremely helpful in helping explain the tricky and confusing world of health insurance and through her advice and time, we are both now on the same page. Shona is someone I would want on my side helping with any insurance issue arises. A genuine and heartfelt THANK YOU for her time and passion
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Laisa Baxter
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My experience with Shona was so positive. She's a delight to work with & she kept me informed throughout the process. I had no idea what I wanted or how to go about it but Shona was patient and she walked me through the type of insurances that was best suited for my family and I's situation. Honestly, if you're looking for somone to help lead you into the right insurance, look no further - Shona is your person. You won't regret your decision I promise ! :)
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Avianca Bohm
Trustindex verifies that the original source of the review is Google.
I had an excellent experience working with Shona. She is extremely knowledgeable, patient, kind, and highly professional. What stood out most was her proactive approach and genuine desire to understand my situation from the very beginning—there was never any pressure at any stage.
She made what initially felt like a daunting process incredibly easy, giving me real peace of mind and reassurance throughout. Her communication is clear and transparent, and she is always available to answer questions or talk through any concerns.
She is an absolute pleasure to work with, and I would highly recommend her to anyone looking for trusted, supportive insurance advice.
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Donovan Keen
Trustindex verifies that the original source of the review is Google.
Working with Shona on updating our life cover was extremely easy.
Shona's dedication to finding the best comprehensive cover for our needs went above our expectations. She found gaps in our previous policy that she reworked to better suit what our family would need in the future.
Planning for life's unexpected turns is not a fun topic to think about but Shona made it a whole lot less daunting, with plenty of laughs alone the way!
We would absolutely recommend Shona in a heart beat.
The Keen family
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M Metusela
Trustindex verifies that the original source of the review is Google.
Kind, knows their stuff and honest. Neil and Shona genuinely want whats best for you. Rare to find. Highly recommend!!
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Rowena Nicolas-Lopez
Trustindex verifies that the original source of the review is Google.
Shona genuinely took the time to listen to our concerns and went above and beyond to ensure we received the fullest possible benefit from the insurance we were purchasing. We are incredibly grateful for her care, dedication, and support throughout the process, and we would highly recommend her services without hesitation.
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TA-DI LTD
Trustindex verifies that the original source of the review is Google.
We had such a great experience working with Shona on our insurance. She made the whole process feel easy and well managed, kept us in the loop at every step, and was always there when we had questions. Her support was consistent, proactive, and genuinely reassuring, which made a big difference. Professional, approachable, and a pleasure to work with. We couldn’t have asked for better service and would happily recommend her to anyone needing help with their insurance. 👍
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Divna Angelovska
Trustindex verifies that the original source of the review is Google.
Really great experience with these guys especially with Shona. They were helping us throughout the whole insurance process, broke down everything in detail and made sure we understood everything before making a decision. Once we decided to take their advice Shona took it from there and went directly to the company to sort everything. Overall really happy with the service provided and they made us feel like they had our best interests at heart. Cant recommend enough!
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Csaba Kószó
Trustindex verifies that the original source of the review is Google.
Shona’s an absolute legend! 🙌 She made the whole insurance and overseas surgery process easy as — no stress, no drama. Super onto it, clear, and just a genuinely cool person to deal with (who knew an insurance broker could actually be fun?!). Thanks to her, we realised how awesome it is having private insurance when things get tricky. Can’t recommend Shona enough! 👏
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Trinity Beange
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I have been with Shona for the best part of a decade now and have had nothing but the best experience. Shona has helped my family and I immensely. She provides a service thats second to none. For us she is worth her weight in gold. She has never dropped the ball and has shown a tenacity in her role that few could match. We highly recommend Shona and would never use anyone else’s services!
The transition into retirement remains one of life’s most profound milestones. For many New Zealanders, the question is no longer simply what they are retiring from—but what they are retiring to. Most New Zealanders hope to enjoy a standard of living in retirement that exceeds what NZ Superannuation alone can provide.
Have you checked your KiwiSaver balance recently? It’s always a good idea to review your KiwiSaver and check if you need to make a change. Increasing your contribution even slightly can make a BIG difference when you turn 65. On 1 April 2026, the default KiwiSaver contribution rate increased to 3.5% and it’ll increase to 4% on 1 April 2028. Use the sorted calculator to check your KiwiSaver balance at 65.
Clients of mine who have simple estate planning needs, can put a cost-effective, legally binding Will in place using Simple Wills, to ensure that their assets are distributed according to their wishes should the unmentionable happen.
