Few moments change life as quickly as welcoming a child. Suddenly your priorities shift. Sleep becomes optional. Time feels scarce. And the weight of responsibility grows in ways that are hard to explain until you are living it. For many parents, insurance moves from something abstract to something very real during this stage of life. Not because anything has gone wrong, but because there is suddenly much more at stake. Why Parenthood Changes the Insurance Conversation Before

When people start thinking about insurance, one of the first questions that comes up is whether to go directly to an insurance company or work with a broker. At first glance, going direct can seem simpler. You are dealing with the company that provides the policy, so it feels logical to assume you will get clear advice, a smooth process, and the best outcome. In reality, the difference between going direct and using a broker is less about the policy itself and more about the

Many people feel reassured simply knowing they have health insurance. It sits quietly in the background, filed away, something you hope you never need to think about too much. And for the most part, that feels reasonable. What often surprises people is that having health insurance does not automatically mean you are covered for everything that matters. One of the most common gaps we see relates to unfunded or non-Pharmac drugs. What Are Unfunded or Non-Pharmac Drugs? In New Z

Medical professionals think about risk every day. You assess symptoms, weigh probabilities, monitor outcomes, and make informed decisions, often under pressure. Insurance also deals with risk, but it approaches it in a very different way. That difference is often where confusion and frustration begin, particularly for people who are deeply familiar with clinical decision-making. We see this regularly when doctors and specialists come to us for advice, and we are sympathetic