Whether we like the thought or not, further debt is a risk. It is a change or an alteration to your current lifestyle, and therefore will have its impacts. Decisions are made on the picture of a current position, and assumptions about the outlook of the future, but as we all know, life isn’t always a straight line, and unexpected events can occur.
Because it is difficult, or in most cases impossible to see what the future holds, it is important we then look to protect ourselves against the possibility of circumstances that are likely, or foreseeable. It can be a tough process to think about the possibility of negative occurrences, but it is definitely necessary to ensure we have ourselves insured, so that we can rest assured our loved ones and ourselves are taken care of financially.
If it’s been a while since you’ve had your insurances reviewed, it is definitely worthwhile to get in contact with us to see what can be offered. In most of the following cases we would recommend having a free review:
Significant life event or are expecting one, such as the birth of a child, marriage, buying a property (first, or investment), taking on further debt for any particular reason.
If you are self-employed and are paying high ACC levies.
Your premiums may be too high for the level of cover you’ve got.
Make sure that your cover is adequate, and/or appropriate for you.
If you hold your risk insurance with your bank (you maybe paying higher premiums for products with significantly less benefits).
If you have only been presented or have only One Companies product (there are others out there that maybe better suited to you).
In numerous cases, we have seen clients with inappropriate cover, or who are paying far too much for the level of cover they have, and in most cases this is due to not having a review often enough.
For the most part, studies have shown that New Zealander’s are underinsured. Smart investors take calculated risks, insuring against these risks will allow you to be certain that you will get the best of both worlds, along with also the peace of mind that you have all of your bases covered.
Typically, Statistically, these are some of the scary facts:
What could happen to this family?
These facts are significant when the following is taken into account; in your day-to-day life, your current position is taken for granted. Mr. & Mrs. Smith currently have commitments for their incomes. Being a typical couple with children in their 30’s, there isn’t a significant amount of surplus cash-flow, if one income were to be lost due to one of the above causes.
We had such a positive experience working with Emily and Ryan and really appreciated all the support throughout the process. They were always professional, responsive, approachable, and genuinely engaged. Whenever we had questions or needed guidance, they were quick to help and made the whole process feel much easier and less stressful. We felt well supported from start to finish and really valued the clear communication and attention to detail. We would happily recommend their services to friends and family and would definitely work with them again in the future. Thank you again for all your help and support!
07 October 2026
Where do I begin to explain how grateful I am to have worked with Jessie. As a first home buyer, I knew very little with regards to the ins and outs of buying a home, attaining a mortgage and how the whole process worked. From the moment I was referred to Kris Pedersen mortgages, Jessie patiently began walking me through every step (answering my frequent and numerous questions!) She took care of getting the best mortgage for me while helping me understand each process along the way. I am so thankful for all of the work that Jessie put in to make it all happen; she always took the time to listen and help in any way. I highly recommend Jessie and the Kris Pedersen mortgages team for anyone looking to buy their first home.
03 September 2026
We couldn’t have asked for a better team than Emily and Ryan to help us navigate buying our first home. From the initial stages to the final unconditional approval, they made a complex process feel incredibly smooth and stress-free. Their communication was top-notch, and they were always available to answer our questions and offer expert guidance. If you’re looking for a team that is professional, proactive, and genuinely cares about getting you the best result, look no further. Highly recommended!
24 April 2026
Wow we are impressed. Cannot recommend Kris Pedersen Mortgages enough. We have been dealing with Jessie on the purchase of our very first home and she has absolutely made an outstanding impression on us. Communication is impeccable, incredible knowledge and explains things so well from start to finish. Will absolutely be recommending to family, friends and business contacts in the future. Thank you guys! very impressed.
20 May 2026
Amazing service! Ryan and Hannah went above and beyond to help secure lending and make sure we understood the process along the way. Any questions were answered promptly and always followed up to make sure we understood. We never felt any pressure along the way and the advice given was always genuine. Highly recommend KPM.
09 July 2026
