When Was the Last Time You Reviewed Your Insurance or Investments?
The best time to review your insurance and investments was yesterday.
The next best time is today.
If it’s been more than 12 months—or if life has changed recently—your insurance and investments may no longer be protecting you the way they should.
In our fast-moving financial environment, outdated insurance or investment strategies could leave you exposed or falling behind.
Why You Should Review Annually
Your life changes. So should your financial protection.
Most financial experts recommend reviewing your insurance and investment portfolio at least once a year, or whenever a major life event occurs. This ensures you're not underinsured, overpaying, or missing opportunities to grow your wealth.
Common Triggers for a Review:
You’ve gotten married, had children, or divorced
You’ve bought or sold a property
You’ve changed jobs, started a business, or retired
Your income or expenses have significantly changed
You've taken on more (or less) debt
You haven’t reviewed your KiwiSaver in the last 12 months
Insurance Reviews: Are You Really Covered?
In the current New Zealand environment—with rising premiums, more frequent weather events, and complex policies—many Kiwis are either underinsured or paying too much.
According to the Insurance Council of New Zealand, more than 1 in 5 New Zealanders have switched providers in the past two years due to financial pressure. But many others simply let their policy roll over—often without knowing if it still meets their needs.
What We Check in an Insurance Review:
Do your cover levels still match your debt, income, and dependents?
Are there newer or more cost-effective policy options available?
Are your policies aligned with your current health, job, and lifestyle?
Investment Reviews: Stay on Track Toward Your Goals
Markets change. Your goals evolve. Yet many Kiwis haven’t checked their investments or KiwiSaver in years. If you haven’t looked at your fund type, risk profile, or performance, you could be losing valuable returns or taking unnecessary risks.
What’s Included in an Investment Review:
Checking your fund allocation matches your risk tolerance and goals
Reviewing performance vs. benchmarks
Ensuring your investments are diversified and tax-efficient
Planning for milestones like home buying or retirement
Don’t Leave Your Financial Future to Chance
In today’s uncertain economy, having the right insurance and investment setup is more important than ever. A quick review could save you thousands—or even protect your family’s financial future.
How We Can Help:
Free, unbiased insurance and investment reviews
Personalised advice tailored to your stage of life
Help with switching policies, updating cover, or adjusting portfolios
Support when making a claim or big financial decision
Ready to Take Action? Contact us today and take the first step toward financial confidence.
✅Contact us: Click here
✅Book Online: Book Here