Insurance

Financial guidance for New Zealanders, from professionals advising on over $1 billion in client funds. Independently ranked a top 50 worldwide finance and investing blog.

ACC Versus Income Protection Insurance: What New Zealanders Actually Need
Insurance

ACC Versus Income Protection Insurance: What New Zealanders Actually Need

ACC only covers accidents. Income protection fills the illness gap. See how they work together and what to look for.
Joseph Darby
·
17 April 2026
Joseph Darby (CEO of Become Wealth) seated on phone in Christchurch, probably discussing income and earning power
Insurance

Income Protection Insurance NZ: Why Your Earning Power Is Your Biggest Asset

Income protection replaces your income if illness or injury stops you working. How it works in NZ, what it costs, and who needs it.
Joseph Darby
·
17 April 2026
Are You Over-Insured? How to Cut Insurance Costs Without Losing Cover
Insurance

Are You Over-Insured? How to Cut Insurance Costs Without Losing Cover

Spot the signs you are over-insured and learn practical ways to reduce premiums without losing meaningful cover.
Become Wealth Editor
·
16 April 2026
Self-Insurance: When It Makes Sense and When It Doesn’t
Insurance

Self-Insurance: When It Makes Sense and When It Doesn’t

When does self-insurance work, and when is it a costly gamble? A guide for New Zealanders.
Joseph Darby
·
6 April 2026
Do I Still Need Life Insurance?
Insurance

Do I Still Need Life Insurance?

When to keep life cover in retirement, when to drop it, and how to decide based on your actual financial position.
Joseph Darby
·
3 April 2026
Is Funeral Insurance Worth It?
Insurance

Is Funeral Insurance Worth It?

Most funeral insurance policyholders pay more in premiums than their family will ever receive. We explain better alternatives for covering funeral costs in NZ.
Become Wealth Editor
·
27 March 2026
Should You Cancel Insurance to Save Money? Proceed With Caution
Insurance

Should You Cancel Insurance to Save Money? Proceed With Caution

Cancelling insurance is almost always irreversible. Understand the hidden costs and smarter alternatives.
Joseph Darby
·
26 March 2026
Why You Should Never Cancel Health Insurance
Insurance

Why You Should Never Cancel Health Insurance

Cash is tight for many Kiwi families, but health insurance is one expense you should think twice before cutting. Six reasons to keep your cover.
Joseph Darby
·
29 March 2023

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