So what else are they kind of overlooking?

Yeah.

Unfortunately, life insurance isn't a one-size-fits-all.

And, and here's where I think it's important to have a really good advisor to be able to explain and work through what your needs are to determine which insurance products work best for you.

But let's get back to your question about just using premium alone.

Unfortunately, that can really put you in a bad space sometimes because if you just go for the cheapest product out there, at claim time, you might be in for an unfortunate surprise that what you thought was something you could get protection for wasn't.

Okay? You get what you pay for.

Where do you feel the New Zealand insurance market's going in the next 10 years?