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 […]
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 […]
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. […]
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.
Most people with insurance assume they’d know if they had a claim to make. This article is about personal insurance reviews: why they matter, what they uncover, and why two of our clients received payouts they didn’t know they were entitled to until they sat down with an adviser.
