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Why Social Media And AI Can’t Replace A Licensed Insurance Adviser
Ever been told by a stranger on the internet that you don’t need life cover because KiwiSaver will sort it? We’ve seen that advice, and we’ve seen what gets left out: mortgages, kids, cashflow shocks, and the messy reality of how families and businesses actually run. Today we pull apart the risks of trusting comment-section confidence and show a smarter path to building protection that fits the life you live.
We start with the problem: social media rewards quick takes, not full context. A thread might sound persuasive until the poster adds a crucial detail that flips the recommendation on its head. From there we dig into why licensed advisers ask so many questions—income, debt, dependants, waiting periods, benefit periods, and how self-employed folks keep the lights on when they can’t work. Those answers shape the blend of life cover, trauma insurance, and income or mortgage protection, and whether split structures or level premiums make sense in New Zealand’s market.
We also talk about AI. Tools like ChatGPT can be a great primer if you ask precise, local questions, but they tend to default to general insurance and overseas definitions. They can miss new product features and often mirror your bias. That’s why the best workflow is simple: use AI and social posts to learn the language and draft questions, then bring them to a licensed adviser who can translate your situation into the right structure and sustainable premiums. The win isn’t the biggest policy—it’s the protection you can keep paying for, so it’s there at claim time.
If your life has changed—new role, kids, bigger mortgage, or a new business—it’s time to review. Subscribe for more practical takes on cover that actually works, share this with someone who’s crowdsourcing their protection, and leave a review to tell us the biggest insurance myth you’ve seen online.
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By Zebunisso AlimovaEver been told by a stranger on the internet that you don’t need life cover because KiwiSaver will sort it? We’ve seen that advice, and we’ve seen what gets left out: mortgages, kids, cashflow shocks, and the messy reality of how families and businesses actually run. Today we pull apart the risks of trusting comment-section confidence and show a smarter path to building protection that fits the life you live.
We start with the problem: social media rewards quick takes, not full context. A thread might sound persuasive until the poster adds a crucial detail that flips the recommendation on its head. From there we dig into why licensed advisers ask so many questions—income, debt, dependants, waiting periods, benefit periods, and how self-employed folks keep the lights on when they can’t work. Those answers shape the blend of life cover, trauma insurance, and income or mortgage protection, and whether split structures or level premiums make sense in New Zealand’s market.
We also talk about AI. Tools like ChatGPT can be a great primer if you ask precise, local questions, but they tend to default to general insurance and overseas definitions. They can miss new product features and often mirror your bias. That’s why the best workflow is simple: use AI and social posts to learn the language and draft questions, then bring them to a licensed adviser who can translate your situation into the right structure and sustainable premiums. The win isn’t the biggest policy—it’s the protection you can keep paying for, so it’s there at claim time.
If your life has changed—new role, kids, bigger mortgage, or a new business—it’s time to review. Subscribe for more practical takes on cover that actually works, share this with someone who’s crowdsourcing their protection, and leave a review to tell us the biggest insurance myth you’ve seen online.
Send us a text
Support the show
Buy your first home in NZ Weekly Webinars
You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are!
Join Here - https://bit.ly/4m9SL72