Personal insurance

Protect what matters most — at every stage of life.

From your family's wellbeing to your home and income, our brokers design integrated personal cover around your real circumstances, not generic templates.

Our personal cover

Five pillars of personal protection.

Life

Life Insurance

Term, whole-of-life and income replacement cover designed to protect your family's long-term financial security.

  • Term life with flexible coverage periods
  • Whole-of-life permanent protection
  • Income replacement to maintain living standards
  • Critical illness riders for serious medical events
  • Increasing benefit options to outpace inflation
  • Convertible policies as life circumstances change
Health

Health Insurance

Quality healthcare should not be limited by financial constraints. Get access to private cover without overwhelming out-of-pocket costs.

  • Comprehensive hospital cover, planned and emergency
  • Specialist consultation coverage
  • Dental and optical add-ons
  • Preventive care and wellness benefits
  • Choice of private hospital networks across NZ
  • Mental health and counselling support
ACC

ACC Advice

Expert guidance to maximise your ACC protection and understand exactly what is — and isn't — covered.

  • Clear explanation of ACC limits and entitlements
  • Supplementary income protection beyond ACC
  • Voluntary ACC options for self-employed
  • Professional claims management support
  • Coordination with personal insurance
Shareholder

Shareholder Protection

Comprehensive protection for business owners with multiple shareholders, ensuring continuity and protecting interests.

  • Buy-sell agreement insurance
  • Cross-ownership arrangements
  • Key person insurance
  • Succession planning coordination
  • Estate planning integration
Mortgage

Mortgage Protection

Ensure your family retains their home if unexpected circumstances prevent mortgage repayments.

  • Life cover integrated with your mortgage
  • Income protection during illness or unemployment
  • Redundancy cover during job transitions
  • Direct payment arrangements to your lender
  • Automatic increase options as balances rise
Get started

Talk to a Kiwi broker today.

Free, no-obligation consultation. We'll match you with the right broker for your circumstances — usually within one business day.