“Your Why” – Why Life Insurance Matters More Than You Think

What’s Your ‘Why’ for Life Insurance?

Most Kiwis wouldn’t dream of leaving their car uninsured. Or their house. Yet many of us haven’t taken the same care with what matters most — our ability to earn, provide, and care for the people we love.

That’s where life insurance comes in. But we’re not talking about policies and paperwork. We're talking about your “why.”

Your why isn’t your house, or your ute. It’s your partner. Your children. Your whānau. The people who rely on you and the income you bring in. The things that truly matter.

What does life insurance really protect?

Most people don’t take out life insurance because they want to. They take it out because they have someone they care about.

Here are a few real-world examples:

• A new parent who wants to make sure their child will be okay, no matter what.
• A couple with a mortgage who want peace of mind knowing the house won’t have to be sold.
• A small business owner who wants to protect their family from business debt.

These aren’t just financial decisions. They’re deeply personal ones. And they deserve the same care and attention as any other part of your financial life.

When was the last time you reviewed your cover?

If you already have life insurance — whether it’s with a bank, a provider, or even through us — it might be time for a check-in.

Ask yourself:

• Have you bought a home recently?
• Had a child?
• Gotten married or separated?
• Taken on more debt?

These kinds of milestones often trigger what’s called a special event increase — which may allow you to top up your cover without needing to go through more medical questions.

And if your policy is through your bank? It’s worth a second look. Bank policies are often basic, inflexible, and left unchanged for years.

Common Myths About Life Insurance

• “I’m too young — I don’t need it yet.”
  Actually, being younger and healthier often means lower premiums. It’s also a great time to secure cover cheaply.
• “I’ve got coverage through work.”
  Employer policies often lapse if you change jobs — and they rarely cover everything your lifestyle does. We can also build extra cover around these policies to get full coverage.
• “It’s too expensive.”
  Many life policies cost the same as two flat whites a week — and you only pay if you keep the cover.

Our approach at EasyStreet

At EasyStreet, we don’t believe in pushing products. We start with a simple conversation about your life, your goals, and the people you care about. Then we help design a plan that actually fits.

Simple. No jargon. No pressure.

Frequently Asked Questions

Q: How much cover do I need?
A: It depends on your income, mortgage, lifestyle, and who depends on you. We help calculate a figure that feels right — never more, never less.

Q: What if I already have cover?
A: We’ll review it for free. Many older policies are inflexible or only partly relevant to today’s costs.

Q: Will I need a medical test?
A: Often not — especially if it’s a special event increase after things like marriage, a new home, or growing your family.

Thinking about your "why"?

We’d love to help you get the right protection in place. Reach out to Lem or Brian for a chat.

—

Lem Willcox – lem@easystreet.nz – 021 365 142
Brian Magellan – brian@easystreet.nz – 027 555 1083

‍

‍