Stop paying for life insurance
you no longer need
As your KiwiSaver grows, you can Phase-Out expensive insurance premiums and redirect that money into your own wealth.
We’ll show you exactly when and how.
The problem! Two financial tools, with no strategy connecting them
Most Kiwis have life insurance and KiwiSaver, but almost nobody has a plan for how the two should work together as they get older.
Insurance premiums only go one direction
Your life insurance gets more expensive every year. Without a plan, you’ll pay tens of thousands in premiums, and if you live a long, healthy life, get nothing back.
KiwiSaver is quietly becoming self-insurance
Your KiwiSaver balance goes directly to your family if you pass away. As it grows, it already functions like a life insurance payout, you just might not realise it yet.
The result? Most people are doubly covered
You’re paying for insurance to protect your family, while simultaneously building a KiwiSaver balance that does the same thing. That’s wasted money.
And nobody tells you when or how to stop
Insurance advisers don’t volunteer to reduce your premiums. Without a clear plan, people pay for coverage they no longer need well into their 50s and 60s.
“I’ve paid thousands in life insurance for 15 years, and if I cancel it now, I get nothing back. Not a cent.”
That’s what one of my long-time clients told me. He wasn’t wrong to be frustrated. His policy had protected his family for 15 years, but now, with his mortgage nearly paid off and his KiwiSaver sitting at over $200,000, he was paying for cover he simply didn’t need anymore.
It made me realise there was a massive gap in financial advice in New Zealand. We’re good at helping people start insurance. Nobody helps them exit it intelligently.
So I built the Phase-Out Strategy, a structured plan for using your growing KiwiSaver balance as a reason to systematically reduce, then ultimately eliminate, your insurance premiums. Every dollar saved gets redirected straight into your KiwiSaver. The compounding effect is significant.
I’ve now helped hundreds of Kiwi families do this. On average, clients reach insurance independence between age 57 and 63, with a meaningfully larger KiwiSaver to show for it.
Three steps to insurance independence
The strategy is straightforward, but the timing and execution matter. That’s where we help.
1. We review your full picture
We look at your KiwiSaver balance, your current insurance cover, your mortgage, income, and dependants, and calculate your real insurance need today.
2. We build your Phase-Out timeline
We create a personalised plan showing exactly when and how to reduce cover, and model how much extra KiwiSaver you’ll have by redirecting those premiums.
We help manage it year by year
As your KiwiSaver grows and your circumstances change, we review and adjust, so you always have the right level of protection without overpaying.
See your phase-out numbers
Get an instant estimate of when you could reach insurance independence and how much more KiwiSaver you’d have.
