Free will with your cover

Life insurance protects financially. A will makes sure that protection actually reaches the right people.

The will gap in New Zealand

Approximately half of New Zealand adults do not have a will(Safewill, 2024; Public Trust, 2023). Among those aged 18–34, the figure rises to around 74%(Stuff, 2024).

Many of those without a will own property, have children, or hold significant assets through KiwiSaver and investments. The most common reasons people don't have a will are that they haven't got around to it, believe they're too young, or assume their assets will automatically go to their family.

Why a will matters alongside insurance

Guardianship

Without a will, the Family Court decides who cares for your children under 18. Not you.

Distribution delays

Estate administration without a will can take 12+ months and cost significantly more in legal fees.

Insurance payouts

Life insurance pays a lump sum, but without a will there may be delays and disputes over who receives the funds.

What a basic will covers

Distribution of assets: property, savings, KiwiSaver, investments, personal belongings
Appointment of an executor to manage the estate
Appointment of a testamentary guardian for children under 18
Funeral wishes
Specific gifts and bequests
A residuary clause for remaining assets

To be legally valid in New Zealand, a will must be signed by the will-maker (aged 18 or over and of sound mind), dated, and witnessed by at least two people who are not beneficiaries.

What a will typically costs in NZ

Online will services start from approximately $49–$159 depending on complexity. Lawyer-drafted standard wills typically cost $300–$500+ GST, rising to $500–$1,000+ for complex situations involving trusts or blended families.

Included with your QuoteHub policy at no extra cost

Professionally drafted by NZ lawyers. Covers essential estate planning, with free updates when your life changes.

What's included, in full

Drafted by NZ lawyers

Professionally prepared, not a DIY template

Covers essential estate planning

Beneficiaries, executors, guardianship, assets

Free updates when life changes

New partner, new child, new assets. Always current

No hidden fees

Genuinely free for as long as you have cover

Review your cover alongside your will · free, no obligation.