Insights

Expert Financial Advice

Insights and updates on financial advice, mortgage, insurance, 

and KiwiSaver.
Five Threefold Group team members smiling together at the KAN 2026 Conference Awards gala evening.
18 May 2026

Threefold Awarded Outstanding Advice Business

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 […]

A woman sits at a table in a cozy living room, writing in a notebook while holding coins and using a green piggy bank—perhaps weighing cost vs value as she reviews her insurance coverage. A cup of coffee, a croissant, and some coins are also on the table.
24 Sep 2025

Cost vs Value: How to Balance Insurance Premiums with the Cover You Need

It’s human nature to look at the bottom line. When it comes to insurance, many Kiwis flick their eyes straight to the monthly premiums and ask: “How much is this going to cost me?” But the true measure of insurance isn’t the number on your bank statement each month, it’s the value it delivers when […]

A smiling family of four, including two adults and two children, sits closely together indoors near a window, posing for a cheerful group photo as part of the META campaign.
26 Aug 2025

Can You Afford to Self-Insure? 

Understanding the real costs of going without insurance cover and why self-insuring might cost more than you think… When you’re earning a good income, building assets and you feel in control of your finances, it’s natural to ask the question: “Do I still need this insurance?” We hear this sometimes from clients who are financially […]

Smiling young girl holds a sign that reads
24 Jul 2025

Family Expanding? Why It’s Important To Review Your Insurances

A few things to consider about your personal insurances… There’s nothing quite like becoming a parent to make you think about the future! Whether you are planning your first child, you’re adjusting to life with a newborn, or navigating the juggle of multiple kids, it’s natural to start thinking about how to protect your family […]

A smiling man with short hair sits on a white couch, talking on a smartphone about his insurance claim. His right arm is bandaged in a white cast, and he gives a thumbs-up with the injured hand. Curtains are visible in the background.
12 Jun 2025

Are You Missing Out on an Insurance Claim?

Did you know that many New Zealanders are entitled to claim under their insurance policies and don’t even realise it? One of the most commonly overlooked benefits is the Accidental Injury clause (also known as a Specific Injury benefit) found in many mortgage or income protection policies – or available as a stand-alone benefit.  Because […]

Two street signs against a blue sky: one pointing right labeled
06 Mar 2025

Life Insurance Myths Debunked: What You Really Need to Know

Life insurance is one of the most misunderstood financial products, often surrounded by myths and misconceptions that prevent people from making informed decisions. Whether you think it’s too expensive, unnecessary, or just too complicated, it’s time to separate fact from fiction. Let’s debunk some of the most common life insurance myths and set the record […]

In their cozy home kitchen, a man and young girl share smiles as they slice open a yellow fruit on a wooden board against the gleaming white counter. The girl tastes a piece while the man watches happily, cherishing these simple moments that build memories worth more than any property portfolio.
20 Feb 2025

The Real Cost of Underinsurance

Why Being Underinsured Can Be More Expensive in the Long Run When it comes to personal insurance, many New Zealanders either don’t have enough cover or don’t have any at all. It’s a common belief that insurance is an unnecessary expense – until the unexpected happens. The reality is that being underinsured can end up […]

A smiling family of four stands in a backyard. The parents are with their two young daughters, one of whom holds a small dog. The background features a wooden fence and greenery.
18 Nov 2024

Protecting Yourself Against Life’s Unexpected Events

Life can change in an instant. A diagnosis of cancer, a heart attack, or stroke can upend not only your physical health but also your financial stability. For New Zealanders, trauma insurance offers a way to protect against the financial burden that comes with critical illnesses. In New Zealand, where rates of heart disease, cancer, […]

Two people wearing aprons stand smiling in a modern coffee shop. The woman on the left has her arms crossed, and the man on the right holds a tablet. They are both wearing white shirts and standing in front of a countertop with cups and plates.
09 Oct 2024

Self-Employed? Protecting Your Financial Wellbeing

Running your own business can be incredibly rewarding. Whether you’re a sole trader, contractor, or small business owner, being your own boss gives you freedom and flexibility. However, for the almost half-a-million self-employed Kiwis, it also comes with added responsibilities, particularly around protecting your financial future. One critical area often overlooked is personal insurance. Without […]

A young girl with pigtails plants a small seedling in a garden bed, while a woman and man dig in the soil nearby, all smiling and enjoying gardening together outdoors—a perfect way to Spring Clean Your Finances and grow new beginnings.
15 Sep 2024

Spring Clean Your Finances

As spring approaches, it’s not just your home that might need a refresh—your finances might need one too! Just like tidying up a room, getting your financial house in order can make a big difference in your peace of mind. Here are some simple steps to get started, and we’re here to guide you along […]

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