Why Life Insurance is One of the Most Important Plans You’ll Ever Make

As Kiwis, we often live by the phrase “She’ll be right.” It’s a comforting mindset – the belief that things will sort themselves out. But the truth is, sometimes they don’t.

Life can change in an instant. And when it does, the consequences can be overwhelming if there’s no safety net in place.

A Story Close to Home

A few years ago, a young woman’s world was turned upside down. At just 38 years old, she lost her husband suddenly. With two little children looking up at her and a family business on her shoulders, everything she knew changed overnight.

The grief was immense. The uncertainty could have been crippling. Yet, one thing made all the difference: they had Life Insurance.

It meant she didn’t have to lie awake wondering how to keep the roof over their heads or put food on the table. Instead, she could focus on what truly mattered – grieving, healing, and being present for her children.

What Life Insurance Really Provides

Life Insurance isn’t about replacing what’s lost. No policy can take away the pain of losing a loved one. But what it does provide is peace of mind – the assurance that families won’t face financial hardship at the same time as emotional devastation.

• Security for the family home – ensuring the mortgage can still be paid.
• Breathing room – so everyday expenses like food, school, and bills don’t become overwhelming.
• Stability for children – giving them a sense of normality when everything else feels uncertain.
• Time to heal – allowing space to grieve without the pressure of immediate financial decisions.

It’s a Plan B that turns fear into certainty.

Why “She’ll Be Right” Isn’t Enough

Many New Zealanders avoid thinking about Life Insurance because it feels uncomfortable, unnecessary, or something to deal with “later.” But tragedy doesn’t wait until we’re ready.

Without Life Insurance, families can be left vulnerable – forced to sell homes, uproot lives, or struggle under crushing debt. With it, the future, while changed, is at least secure.

A Safety Net Every Family Deserves

Life Insurance is more than just a financial product. It’s a way of protecting what matters most – the people we love.

It ensures that, even in the hardest moments, families have stability and certainty. While it can never replace a loved one, it can remove the added burden of financial fear and give families the space they need to recover.

Because the truth is, “She’ll be right” isn’t a plan. But Life Insurance can be.

Watch the video to hear the story that inspired this article, then talk to The Mortgage Hub about putting your own plan in place.