MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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Income Protection Insurance for Self Employed

Our guide looks at the costs, limitations and pros and cons of Income Protection Insurance for anyone who is self-employed.
Income Protection Insurance for Self Employed and Contractors
Updated 28 April 2023

Know This First: If you are self-employed, income protection insurance is a way to provide some monthly income if you're unable to work due to sickness or injury. The benefits are designed to help pay for your financial commitments, including things like mortgage or rent, utilities, food, and even business expenses.

How does Income Protection Insurance help self-employed people?

Most self-employed people don't have financial protection if they are ill and cannot work because they rely on their business's income to survive. Without an income protection policy, self-employed people could quickly face financial ruin if they could not work. For this reason, self-employed people often consider taking out insurance to protect themselves from this risk. Some employers may offer long-term sick leave at the discretion of the management - self-employed workers don't have access to such resources.

To help outline what you need to know before buying a policy, our guide covers:
  • What Determines the Cost of Income Protection Insurance?
  • Self-Employed Insurance Protection Insurance – Pros, Cons and Alternatives
  • Who offers Self Employed Income Protection Insurance and What Does it Cost?
  • Frequently Asked Questions
  • Our View and Conclusion

Important: ACC vs Income Protection Insurance
  1. Many New Zealanders are confused by what ACC covers and whether income protection insurance overlaps. Each provides very different benefits, even if they look similar.
  2. Firstly, ACC only covers injuries; it doesn't cover illnesses. The majority of people absent from work long-term are suffering from an illness, not injuries. ACC's list of covered injuries is published here.
  3. Income Protection Insurance goes further and to make things clear, our ACC vs Income Protection guide outlines what you need to know.

Life Direct NZ
Your guide to income protection insurance for anyone self-employed is published thanks to Life Direct
  • Our easy to understand guide is sponsored by our friends at Life Direct, our trusted partner for Life Insurance and related policies such as Income Protection Insurance.
  • If you're self-employed and looking for Income Protection Insurance, there's a lot to know upfront - our guide is essential to help you make an informed choice.
  • We've teamed up with Life Direct to help explain the must-knows and key considerations. Our Income Protection Insurance guide has more details.
Visit Life Direct
​

Income Protection Insurance for Self Employed and Contractors

What Determines the Cost of Income Protection Insurance?

Several things are taken into account when buying income protection policies. Below are the primary things that will affect the cost of the premiums you will have to pay:
  1. Age – As with most insurance policies, your age will significantly impact the premiums you will have to pay. As you get older, the probability of illness increases, and as a result, the older you are, the more you are likely to pay for income protection insurance.
  2. Amount of coverage – The amount of coverage you choose plays a significant role in the cost of your premiums. However, most policies are very flexible, allowing you to select a level of coverage that works for your budget but still provides the income replacement you need. The higher the payout you choose, the more expensive the policy will be.
  3. Length of coverage – Similar to choosing the amount of coverage you want, you can decide how long you want the coverage to last. You can typically choose between a short-term policy that covers you for 
  4. 1-2 years or one that covers you right up until retirement. As you would expect, the longer the length of the policy, the higher your monthly premiums will be.
  5. Lifestyle Factors – If you are generally healthy and avoid smoking, the cost of your policy will be lower as the insurance companies know that those that live healthy lifestyles are less likely to get sick than those that do not. As a result, those that are healthy may pay lower rates than those who are not.
  6. Job Risks – There are certain types of inherently risky jobs, and anyone with a relatively more dangerous job will typically pay higher premiums. For example, office workers will usually have lower premiums than construction workers because they have a much higher risk of injury.
  7. Pre-existing health conditions – If you have had any serious medical issues in the last five years, they will likely be considered pre-existing conditions by the insures. These pre-existing conditions could prevent you from getting coverage, increase your rates, or be excluded from coverage. The insurance company will review these conditions when you apply for coverage, decide whether to cover those or not and if they do, whether they will increase your premiums because of them.
  8. The deferral period – This is the amount of time you will have to wait before your payments begin. It can be as short as one week with some policies. This is a critical element of your policy to consider, as you will have to decide how long you can go without income before your income protection policy starts to pay. The shorter the deferral period, the higher the probability you will make a claim. As a result, the policies with the shortest deferral period will cost more.

What's included and excluded from Income Protection Insurance policies?

For self-employed people who choose to buy income protection insurance, the policies are comprehensive and will cover nearly any health issue or injury you might suffer from. There are generally only a few critical exclusions. If you can't work, even if it's caused by something as simple as a broken ankle, your income protection insurance should cover you. However, it is crucial to understand how the insurer defines incapacity in your policy. 

Some things are considered limitations or exclusions for income-protection policies, which are fairly standard on most policies. If these things happen and you try to file a claim, it will likely be rejected. They are those involving or caused by:
  • Illegal drug use
  • Self-harm
  • Alcohol abuse
  • Criminal activity

How do insurers define incapacity?

There are several definitions that insurance companies use to define incapacity in your policy. It's important to understand that depending on the definition they use, your level of cover can be significantly affected. The three primary definitions from the most comprehensive to the least are a follows:

Own Occupation
 
  • This is the best, most comprehensive definition of incapacity and will cover you in most cases. Own occupation means that the policy will pay out if you can't perform your specific job role.
  • As an example, if you're a builder and have to take time off due to stress, the insurance company wouldn't expect you to go back to work in a lesser role (i.e. bricklayer).
  • You would receive the benefits of the policy for as long as the policy lasts or until you're well enough to go back to your specific position.

Suited Occupation
  • This is a little less comprehensive of a definition than own occupation. Under this definition, the insurance company would expect you to return to work if, using the same example, as above if there was another job you could do that would be less stressful.
  • This could be a significantly different job and could have an impact on your income.
  • As a result, it is essential to understand this definition when you choose a policy. For those with manual or high-risk jobs, this may be the only definition available to you.

Any Occupation or Work Task
  • This is the most strict definition and generally one we do not recommend as being suitable.
  • Simply put, if you're capable of performing any basic task, like walking, bending, hearing, and climbing, you would have to return to work, regardless of whether that means you would be working in a completely different industry or profession.
  • Policies that use this definition of incapacity only protect you from severe illnesses and injuries. They don't provide income protection coverage that many, especially those that are self-employed, need.
​

Income Protection Insurance for Self Employed and Contractors

Self-Employed Insurance Protection Insurance – Pros, Cons and Alternatives

Insurance protection policies solve a problem at a cost. Each insurance company has its own policies so coverages can vary; below is a broad summary of how the pros and cons of policies, how they work and what they cover.

Pros:
  • A policy can cover up to 50-75% of your monthly income.
  • If you operate a limited company, a policy will compensate for lost dividend payments
  • You can choose when payments start and can start receiving payments in as little as two weeks.
  • You can purchase a short-term policy or protect yourself right up until retirement.
  • Depending on the specific terms of your policy, you'll receive monthly income replacement until you're well enough to return to work.
  • Income protection policies provide peace of mind that should you ever fall ill can't work for a (qualifying) reason, your bills would be covered.
  • You wouldn't need to burn through all of your savings.
  • It's a flexible type of insurance and can be configured to your specific requirements.
  • If you're injured, you'll still receive ACC (although you won't receive two payments, just the higher or the ACC allowance or insurance policy).
  • A policy can provide some much-needed reassurance for those switching from employment to self-employment.
  • Most illnesses and injuries are covered, and there are usually only a few exclusions.

Cons:
  • Cost – Policies are not cheap; our What Does it Cost section shows the high annual cost of even basic 2 and 5-year policies.
  • Maximum cover - Insurers pay up to 75% of your salary, which may not be enough if your living costs are stretched already.

How is Income Protection Insurance different from Mortgage Repayment Protection Insurance, Critical Illness and Trauma Insurance, or Redundancy Insurance?

Income Protection Insurance is a long-term policy that provides benefits to those with health-related work absence, not redundancy. The policies generally last until for the short term (i.e. 2-5 years) or the long term (i.e. until you retire). 

For example, a 35-year old who has an Income Protection Policy and makes a claim could receive a tax-free income for the next 30-35 years, depending on his retirement age. Additionally, if he returned to work at a lower salary, he could claim a proportional benefit.

Redundancy insurance, Critical Illness and Trauma Insurance and Mortgage repayment protection insurance offer shorter-term, usually with a maximum of 1-2 years, depending on the insurer.

Important:
  • There are many different options you have to choose from when selecting an income replacement policy.
  • If you are self-employed, there are additional considerations you will have to take into account.
  • For this reason, it is important you carefully select the right policy to ensure you and your family have an appropriate financial safety net in place should something happen to you.
​

Income Protection Insurance for Self Employed and Contractors

Who offers Self Employed Income Protection Insurance and What Does it Cost?

Income Protection Insurance is available for self-employed individuals and contract workers. There are no specific policies for self-employed workers but the costs vary between industries (i.e. self-employed builders will pay more than self-employed teaching consultants in most cases given the risks). Our pricing samples confirm this below.

When working out a benefit to be paid, your base income may be calculated a little differently. Employed workers base their benefit on their gross annual salary, whereas self-employed workers need to consider their drawings or profits after deduction of trade expenses etc. If you are self-employed and submit a claim, 
you may need to prove your income.

Our comparison considers three self-employed professionals below:
1. The Tradesman - Builder/Carpenter/Plumber
35-Year-Old Male, Non-Smoker
  • $100,000 Annual Salary ($6,250/Month payout - 75% of gross income)
  • 4 weeks claim wait period
Insurer
Annual Premium (2 Year Payment Period)
Annual Premium (5 Year Payment Period)
Annual Premium (Benefit Paid to Age 65)
Annual Premium (Benefit Paid to Age 70)
Cigna
$1,181.60
$1,501.64
$2,319.53
Not Offered
Fidelity Life
$1,281.63
$1,512
$2,439.23
$2,590.24
AIA
$1,558.38
$2,023.18
$3,153.70
$3,219.18
Asteron Life
$1,490.03
$1,868.97
$2,968.93
$2,999.74
Partners Life
$1,493.14
$1,858.67
$3,080.85
$3,384.64
2. The Bus/Coach Driver
45-Year-Old Male, Non-Smoker
  • $70,000 Annual Salary ($4,375/Month payout - 75% of gross income)
  • 4 weeks claim wait period
Insurer
Annual Premium (2 Year Payment Period)
Annual Premium (5 Year Payment Period)
Annual Premium (Benefit Paid to Age 65)
Annual Premium (Benefit Paid to Age 70)
Cigna
$2,098.58
$3,019.75
$4,607.88
Not Offered
Fidelity Life
$1,826.98
$2,693.70
$4,322.40
$4,841.05
AIA
$2,704.91
$3,946.74
$6,148.64
$6,447.54
Asteron Life
$2,157.68
$3,002.93
$4,583.64
$4,675.06
Partners Life
$2,308.45
$3,425.74
$5,162.76
$6,207.11
3. The Photographer
40-Year-Old Female, Non-Smoker
  • $80,000 Annual Salary ($5,000/Month payout - 75% of gross income)
  • 4 weeks claim wait period
Insurer
Annual Premium (2 Year Payment Period)
Annual Premium (5 Year Payment Period)
Annual Premium (Benefit Paid to Age 65)
Annual Premium (Benefit Paid to Age 70)
Cigna
$2,044.52
$2,790.46
$4,526.31
Not Offered
Fidelity Life
$1,712.98
$2,288.90
$4,059.29
$4,387.68
AIA
$2,947.57
$3,926.53
$6,233.22
$6,553.08
Asteron Life
$2,297.93
$2,952.60
$4,572.23
$4,729.73
Partners Life
$2,447.20
$3,112.73
$4,974.64
$5,645.96
Important: Income Protection Insurance is widely available and online quotes are quick to obtain. Before buying any policy, make sure you understand the cover level (i.e. how much it will pay out), exclusions (i.e. what you can't claim for) and ongoing costs (i.e. what you have to pay every week, month or year etc).
​

Income Protection Insurance for Self Employed and Contractors

Frequently Asked Questions

You'll likely have questions about what cover is right for you - we have answered common questions below to help you understand more about policies, cover and claims.

Can I pause my income protection coverage if I become unemployed or decide to take a career break?

Some insurance companies offer a 'career break' or 'non-working option, which means that your coverage can be suspended for a certain amount of time. During this time, you will not have to pay your premiums, but you will also not be able to make a claim until you decide to restart your policy.

In most cases, you will not have to provide any new information about your health or medical condition to resume the policy. Some insurance companies have an option that allows you to continue the cover at a reduced amount, so you still have some coverage, although a lesser amount, should you become ill during this time. If this feature is of interest to you, you should check to see if your policy includes this before you purchase a policy.

Is there a standard policy that those who are self-employed should choose?

When it comes to income protection, as with most other types of insurance, there are many options that you can choose from. The right policy and coverage for you may be very different than for your neighbour. When choosing a policy, you'll need to consider your financial situation and choose a policy with benefits right for your unique financial, business, and personal situation.

How much will income protection insurance cost me?

The prices of income protection policies vary between companies and according to the specific benefits you choose. The premiums are calculated based on your required cover level, age, current health, occupation, your age, smoker status and the length of coverage you require. 

Self-employed individuals are, in many cases, higher risk to insurers compared to full-time employed workers due to the industries they work in (construction vs office etc). Before making any decision, make sure the policy you're looking at fits your needs and budget. You'll need to understand the implications of any pre-existing conditions you may have and their impact on various insurance companies.

What happens if I change jobs?

Most insurance companies don't mind if you change jobs and don't require you to tell them. However, if you go from an office job to a high-risk construction job, you'll need to let your insurance company know. If your salary changes, you might want to discuss increasing or decreasing your cover accordingly.

Can I cancel an Income Protection Insurance policy?

Yes, but only during a "cooling off period". This is usually within five working days of agreeing to a policy. If you don't cancel within the cooling-off period, there are very few options for refunds later.
​

Income Protection Insurance for Self Employed and Contractors

Income Protection Insurance for Self Employed - Our View and Conclusion

  • Self-employment can be flexible, but it is also costly and financially risky. Having a fall-back policy to cover an agreed amount of your income should you fall ill is helpful, but it also is another ongoing bill.
  • Many New Zealanders are confused by what ACC covers and whether income protection insurance overlaps. ACC only covers injuries; it doesn't cover illnesses, whereas Income Protection Insurance goes further (our ACC vs Income Protection guide outlines what you need to know should you need further guidance).
  • If you have large ongoing payments falling due (i.e. mortgage repayments, young children and other big-ticket expenses), protecting yourself from the risk you get seriously ill is worth considering.
  • What's right for you comes down to what you can afford. If you struggle to build or maintain an emergency fund, a policy could be an effective way to protect your family from hardship.

Related Guides
  • ACC vs Income Protection Insurance
  • Income Protection Insurance
  • Redundancy Insurance
  • Critical Illness and Trauma Insurance
  • Mortgage Repayment Protection Insurance
  • Life Insurance
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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • For Startups
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  • Law
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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    • Specific Risk Cover
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    • Essential Information
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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  • Financial Independence
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      • SortMe Review
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    • Tax
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  • Life Essentials
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      • Paid Survey Websites Review
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        • Triaba New Zealand Review
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      • Free Samples
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
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    • Living Essentials
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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