Practical insurance guides for decisions people actually face.

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AI and insurance choices

Guides to AI insurance shopping, car-insurance prompts, health changes when switching, and document comparisons with clear permissions.

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Existing policy review

Six guides for organising policy records, checking wording history, reviewing premiums and excesses, and comparing replacement risks before giving an instruction.

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Claims support

Six guides cover adviser support, trauma definitions, ongoing evidence, mental health income claims, private injury benefits alongside ACC and application health information. Start with your policy documents and confirm a secure channel before sharing records.

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Family protection planning

Four guides connect life cover, household cash buffers, mortgage responsibilities and self-employed income. Start by recording what each adult contributes and what would change if income or care were lost. These are general preparation guides; personal advice needs written disclosure and an assessment of your circumstances.

• Home and debts: current balances, rent or repayments, and the plan for keeping the home.
• Living costs and care: essential spending, childcare, unpaid work and possible changes to paid work.
• Resources and time: accessible assets, existing and employer benefits, and the period a gap would need funding.
• Affordability and evidence: sustainable premiums, current policy terms and written confirmation of uncertain benefits.

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Work and policy comparison

Six guides connect employer family health cover, policy conditions, income versus mortgage repayment benefits, work changes, replacement timing and reading documents. Use confirmed terms for each person and benefit; keep proposed cover and uncertain payments separate from existing protection.

• Confirm: each member’s accepted plan, start date, terms and employer contribution.
• Compare: insured events, waiting rules, excesses, exclusions, limits and accessible funds.
• Before changing: request written clarification of lost benefits, continuation steps and action dates.
• For a work move: record old and new duties, income evidence, scheme end/start dates and self-employed ACC questions.
• For replacement: confirm accepted terms, each benefit’s start date and the acknowledged old-policy instruction.
• For documents: match wording versions, schedules, endorsements and special terms before interpreting a benefit.
• For income and housing: compare benefit calculations, work definitions, waits, duration and other-payment clauses before adding headline amounts.

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Business insurance preparation

Start with the existing key-person and business interruption guides, then use the document-reading and replacement checklists in the work/policy group. This is general preparation; it does not confirm specialist advice scope or cover for a building project, solar installation, vehicle or other activity.

• Describe actual activities, dependencies and changes before discussing insurance.
• Gather the applicable schedule, wording, endorsements and relevant contract requirements; record missing documents.
• Confirm the advice scope in writing before seeking a specialist recommendation.

• Reading policy documents
• Replacement handover checklist
• Business insurance information
• Public disclosure
• Ask a question

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Insurance questions by life and business need

Plain-English preparation guides for health, income, family protection, business continuity and adviser conversations.