CoverGap .nz

Are you actually covered?

58% covered 42% gap

Most NZ policies leave a gap. Find out where yours is.

NZ Independent Adviser Always free 20 min · No jargon

No sales pressure — just an honest, independent second opinion on your cover.

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100+ Kiwis reviewed — all free
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Free · No obligation · We'll call within 1 business day

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Independent advice across New Zealand's leading insurers

100+
NZ families reviewed
9
Insurers compared
20min
Average review time
$0
Cost to you, always
FSP Registered Independent adviser No obligation, ever Privacy protected
How it works

Three steps to knowing where you stand

No cost, no jargon, no obligation — just a clear picture of your cover and where the gaps are.

1

Tell us about your cover

A few quick questions about what you've got today — it takes about two minutes.

2

We find the gaps

We compare your cover against your real situation and flag what's missing — or what you're overpaying for.

3

Talk it through, free

An independent, authorised adviser walks you through your options — at a time that suits you, with no obligation.

Free cover review

Not ready to book a call?
Leave your details.

We'll reach out within 24 hours to find a time that works for you. No obligation, no cost.

No spam. No sales pressure. Unsubscribe any time.

FAQ

Questions, answered

Is this a sales pitch?+
No. The review is genuinely independent — we're not tied to any one insurer and we don't have quotas to meet. You'll get an honest picture of where you stand. If you're happy with your current cover, we'll tell you that. There's no pressure to change anything.
How much does this cost?+
Nothing. The review and adviser conversation are completely free. If you decide to make changes to your cover, the adviser is paid by the insurance provider, not by you.
What is life insurance?+
Life insurance provides financial protection for your family if you pass away. It can replace lost income, pay off debts, or cover expenses. Income protection is different — it replaces your income if you can't work due to illness or injury.
How much income protection do I need?+
It depends on your situation — typically between 60–80% of your income. If you have dependants or a mortgage, you might need more. An adviser will help you figure out what's right for you.
How long do life insurance policies take to pay out?+
Most life insurance claims are paid within 10–15 working days, though complex claims can take longer. Your adviser will explain the typical timeframe for your specific policy.
How do I get life insurance and what's the advantage of using an adviser?+
You can buy online, through your bank, or with an adviser. An independent adviser saves time by comparing options across multiple providers, ensures you get the right level of cover for your situation, and explains exactly what you're getting — no surprises.

Ready to find your gap?

It's free, takes a couple of minutes, and there's no obligation.

What brings you
here today?

We'll personalise your experience based on your situation.

How should we
reach you?

So we can book your free 20-minute review at a time that suits.

One adviser, one call. We never pass your details to anyone.

How old are you?

Helps us match you with the right adviser.

👋

Honest answer first.

Most NZ life insurers won't write new life cover for people over 65. We won't waste your time pretending otherwise.

If you hold existing cover, we can help you review it — and there may still be options worth exploring. A quick call costs nothing.

No obligation. Free and independent.

Who are you currently
insured with?

Select all that apply — or choose "I'm not sure" to skip.

🤷 I'm not sure / I don't know
Your bank

Insurance arranged through your bank

Another insurer

What cover do you currently hold?

Select all that apply — it's fine if you're not sure.

Last couple of things.

When's the best time to reach you?

So we can send your review summary in writing.

Does this look right?

By submitting you agree to be contacted by an authorised financial adviser. Your details are kept private and secure.

One last step —
verify your number.

This helps us confirm it's really you, so your adviser can reach you directly.

We'll text a 6-digit code to

Having trouble with the code?

Your request is in.

We'll be in touch within 24 hours. One of our independent advisers will reach out via the contact details you provided.

Free — no cost, ever
No obligation
Independent advice