There are many different types of personal insurances out there, and whilst it might be easy to distinguish between your cover for your house, car, and contents, figuring out the difference between the other types of personal cover can be tricky.

One of the most common questions people ask is what’s the difference between Life insurance and Health insurance? Often people assume they are one in the same, but there’s actually a few important differences to note.

To help you understand why both are equally important types of cover, we’ve put together some information on each to make it easier.

If you’re a shift worker, it can be hard to stay on top of your health, especially when your usual waking and sleeping hours are disrupted. Because many shift workers often see fluctuations in their weight and overall health, it’s important to prioritise a healthy diet as much as possible. Here are a few tips that might just help!

It’s a common question that gets asked by New Zealanders when it comes to getting health insurance sorted - after all, why should you pay for something that you can get for free? But the reality is not as black and white as that. There are many occasions where ACC just doesn’t fit the bill, and it’s not designed to. That’s where personal insurances like health and life cover come in.

The Financial Services Council (FSC) recently released their latest research report, ‘Money and You - Taking Cover.’ Surveying over 2,000 Kiwis, their study reveals some interesting insights into the financial wellbeing of New Zealanders and their relationship with health insurance.

With so many ‘brain training’ apps and software available, you might be thinking that to improve your cognition and memory, you need to make use of these kinds of technological tools. But many things you might already be doing in your everyday life can contribute to improving your memory.

In fact, studies have shown that memory loss may improve by 30-50% when we perform regular mental exercises that show up in our daily lives. Just like exercising our muscles helps them grow, exercising our brain will also help give it a boost of power that will keep us sharp as tacks.

So what are some of the best brain exercises to improve memory?

As we’re all well aware, inflation is rapidly increasing. The cost of living is far higher than anyone expected, and if history is anything to go by, prices will continue to rise. If you think about the insurance policies you may have, including vehicle and contents cover, is the amount you’re covered for in line with today’s values?

If you’ve been thinking about reviewing your KiwiSaver this year, or you’re weighing up the merits of joining the retirement savings scheme, it’s important that you know how to get the most out of your KiwiSaver. To help you take control of your KiwiSaver this year, we’ve put together some things you’ll need to take a look at.

The weather has been pretty unpredictable lately, and many people have found themselves in dire straits, dealing with damages caused by flooding and wind. This is where having the right cover really comes in handy, but it can be tough to deal with the added stress of making a claim. To help you out, we’ve put together some tips for making a weather-related insurance claim.

We all know how important sleep is for our mental and physical health, but it’s definitely a matter of quality over quantity. If you’ve been getting 8 hours of shut-eye every night but are still waking up tired, you might need to work on your sleep hygiene.

Sleep hygiene is all about being in the best position to sleep well every night - this includes a quiet, dark, and cool environment, and avoiding any stimulants before bed. To help you boost your sleep hygiene and get a proper night’s sleep, we’ve put together some handy tips.

If you’ve been putting off getting medical insurance sorted, we’ve got a few sobering claims statistics from nib that just might prompt you into getting some cover in place.

In the financial year of 2022, nib paid out $175 million in total claims for its members, and the top five claims for December alone, are broken down below - could you afford those numbers without medical insurance?

If you’re enrolled in the KiwiSaver retirement savings scheme, you may have heard the term PIR floating around. But what exactly is it?

Insurance tends to be something that we begrudgingly get sorted because we know it’s important to have. But how many Kiwis actually have a policy that does what they need it to, and that they actually understand?

Insurance advisers are there to help you get cover in place that’s suited to your needs, and your budget. Here are some good reasons why you should always get your cover sorted through an adviser.

If you own a car, it’s important that you have the right insurance in place to keep you covered when you need it. With a few different types of vehicle insurance out there, it pays to know what kind of cover is best for your situation, particularly if you get into a sticky situation on the road. We’ve put together this helpful guide to car insurance to help you understand how it works.

Whether you’re returning to work now or in the next couple of weeks, thinking about getting back into the swing of things can be tough. When you’ve been sleeping in and relaxing for most of the day, getting up and back into a more structured routine can feel like a mammoth effort. Here’s how you can beat the back to work blues this year.

Can you believe it’s almost the start of a brand new year? As we look toward 2023, you might be thinking about what goals you’re going to set this year. Getting your finances sorted might be top of the list, but it can be difficult to implement and stick with. To help you get your financial New Year’s resolutions sorted, we’ve put together a few ideas.

The rays from the sun in New Zealand are some of the harshest in the world, especially in summer. We all love to get out and about during the warmer months so we’ve put together some tips to help you protect yourself and your family from the sun.

Travel insurance can be one of those things that you think you don’t need, until you do. There’s a lot that can go wrong when you travel, including lost luggage, cancelled flights, and getting injured. Take a look at three real-life examples from travel insurer, CoverMore, that highlight the value of travel insurance.

It’s no secret that the New Zealand public health system has been under a lot of pressure recently. Staffing shortages and long wait lists have meant that Kiwis have been missing out, suffering on a daily basis while they wait for surgery, or in some cases, just for a first consultation. Here’s why it’s turned health insurance into a ‘must-have.’

The Christmas holidays are a great opportunity to catch up and reconnect with family and friends. For many of us, that means leaving our homes empty and vulnerable to break-ins. Whether you’re heading away to visit family or just spending a day at the beach, here are a few tips to help you keep your home safe these holidays.

Once you’ve got your cover sorted, it’s easy to check it off your list and forget about it. However, as you move through life, changes are bound to happen. Here are some important times in your life when you should review the insurance policies you have in place.