The latest insurance claims data from New Zealand’s major health and life insurers tells a consistent story with orthopaedics topping the speciality list, imaging and tests dominating by volume, and claims paid out for members aged 65 and over running at roughly four times the amount paid for those in their late teens. With long […]
The latest insurance claims data from New Zealand’s major health and life insurers tells a consistent story with orthopaedics topping the speciality list, imaging and tests dominating by volume, and claims paid out for members aged 65 and over running at roughly four times the amount paid for those in their late teens. With long […]
30 years of experience, now focused on your KiwiSaver This month we’re kicking off a new regular feature, introducing you to the advisers behind Threefold. First up is Sharon McAlister, who has recently moved into our KiwiSaver team after a long career across mortgages and insurance. Sharon brings more than three decades of financial services […]
Since 1 December 2025, tenants have had the right to ask to keep a pet, and landlords can only say no on reasonable grounds. It’s a big shift for rental properties and by law, most landlords will end up having to say yes to pets more often than not. Against this backdrop, it is important […]
What to know, what’s on offer, and… what cover you might already have. Typically, you insure your car, house and income without a second thought. However, insuring your children can feel different, harder to think about, and easy to put off. Yet it’s worth understanding why insuring your children can be worthwhile, what is available, […]
If you’ve ever chosen a KiwiSaver fund based on your age or how far off retirement or purchasing your first home you are, you’ve made a sound first decision. Growth funds through your accumulating years, moving toward balanced and conservative as you near key milestones: that guidance holds true and remains the right starting point. […]
At the Kiwi Adviser Network (KAN) Industry Awards 2026 held on May 13, Threefold was recognised in *FOUR* different categories – a result we think reflects the caliber of people, advice, and processes across our business. The headline result was our team taking out the Outstanding Advice Business Recognition (5+ Advisers) award. The judges were […]
Many New Zealanders don’t realise their existing life, trauma, or TPD insurance policy includes a special event benefit – a feature that allows you to increase your cover after major life events like having a baby, getting married, or taking out a larger mortgage, without any new medical underwriting. This matters most if your health has changed since you first took out cover, as a fresh application could mean higher premiums, exclusions, or declined cover. Threefold’s insurance team explains how special event clauses work, which life events qualify, and how to make sure you don’t miss the window to use them.
Thinking about upsizing but unsure whether now is the right time? In a flat or softly declining property market, the maths can actually work in an upsizer’s favour – because the dollar saving on a more expensive purchase is typically larger than the reduction in your sale price. Threefold breaks down how the numbers work in New Zealand’s current market, what buyers need to know about negotiating power and mortgage readiness, and why being financially prepared matters more than timing the market perfectly.
