Same Premiums.
More Protection.
Pay the same. Get more. It's all in the advice.
Take the 60-second quiz to see if you're protected, over-paying, or both.
Guaranteed: We'll find you a better deal—or confirm you've got the best one.
✓ Free advice ✓ No obligation ✓ 60 seconds ✓ Licensed advisers
We compare policies from New Zealand's leading insurers
Most Kiwis Hope for the Best.
But Hope Isn't a Plan.
Here's the uncomfortable truth:
If you couldn't work tomorrow, how long could your family survive on savings alone?
For most Kiwis, the answer is "not long enough." Yet we put off thinking about insurance because it's confusing, it feels expensive, and we tell ourselves "she'll be right."
Until it isn't.
The problem? Insurance is complicated by design. Different providers, different policies, different exclusions. It's hard to know if you're covered, under-covered, or paying too much for the wrong thing.
An independent insurance adviser cuts through the noise.
They compare all the major insurers. They understand the fine print. They find the right cover for your situation—not just the policy that pays them the highest commission.
The question is: do you know what you're actually protected against?
Free • No obligation • Takes 60 seconds
From "Confused" to "Covered" in 3 Steps
No jargon. No hard sells. Just clarity—and someone who actually works for you.
Take the Quiz
60 seconds. No commitment.
- Tell us about your current situation
- No medical exams, no paperwork
- Just honest answers about what matters to you
Get Matched
The right adviser for your needs.
- Paired with an adviser who specialises in your situation
- Not a random agent—the right one for you
- Licensed NZ adviser who knows the market
Get Protected
You choose what fits.
- Compare options from all major insurers
- Your adviser explains everything in plain English
- 100% free—the insurer pays, not you
Kiwis Just Like You
Don't take our word for it. Here's what others are saying after taking the quiz.
Excellent experience. The quiz matched me with a top-notch financial advisor who made getting life insurance a breeze. Highly recommend!
Rachel H.
Auckland
I've tried a few different ways to find a financial advisor, but this quiz was by far the easiest. Super happy with how it all turned out.
James L.
Wellington
The quiz made finding a financial advisor very quick and simple. I'm grateful for the expert help I received in securing medical insurance for me and my partner. A big thank you!
Peter M.
Christchurch
This service was a real lifesaver. The advisor truly cared about my situation and guided me through getting life insurance—something I'd been putting off for years. So relieved to have this sorted!
Grace P.
Hamilton
Thousands of Kiwis have used Insurance Genius to find the right protection.
What Should You Be Protected Against?
Different cover for different risks. An adviser helps you figure out what you actually need.
Life Insurance
A lump sum for your family if you pass away. Pays off the mortgage, covers living expenses, protects their future.
Best for: Anyone with dependents or debts
Income Protection
Replaces up to 75% of your income if you can't work due to illness or injury. Keeps the bills paid while you recover.
Best for: Anyone who relies on their income
Health Insurance
Skip the public waiting lists. Get faster access to specialists, surgeries, and private medical care when you need it.
Best for: Anyone who values fast healthcare
Trauma / Critical Illness
A lump sum if you're diagnosed with a serious illness like cancer, heart attack, or stroke. Use it however you need.
Best for: Extra protection against major illness
Total Permanent Disability
A lump sum if you become permanently disabled and can never work again. Financial security for the long term.
Best for: Protecting against worst-case scenarios
Mortgage Protection
Monthly income to cover your mortgage payments if you can't work. Keeps a roof over your family's head while you recover.
Best for: Homeowners with mortgage payments
Policies compared from NZ's trusted insurers
Not sure what you need?
That's exactly what the quiz is for. In 60 seconds, we'll understand your situation and match you with an adviser who can explain your options in plain English.
Find Out What I NeedWhat Happens to Your Family If You Can't Provide?
It's not a comfortable question. But it's an important one.
Most people assume they're covered. Until they check and realise they're not.
The 60-second quiz shows you where you stand—and what it would take to close the gaps.
Check My ProtectionNo awkward calls. No hard sells. Just clarity.
Yes. 100%. Your adviser is paid by the insurer when you take out a policy—not by you. There's no catch.
No. You get matched with ONE adviser who fits your situation. No spam. No multiple agents calling.
Absolutely. The quiz is designed for anyone from "just curious" to "ready to get covered." No pressure.