Do Insurers Actually WANT to Pay Your Claim? | Underwriting Explained | Ep 25

Most of us buy life, health and income insurance hoping we'll never need it — but very few of us understand what actually happens behind the scenes when we apply. In Episode 25, Daniel and Rory sit down with Daniel Freeman, Head of Underwriting at one of New Zealand's largest insurers, who brings nearly 20 years of experience to pull back the curtain on how insurers really assess risk.

We get into the stuff most people never think about until claim time: why New Zealand's non-cancellable cover is world-class, how underwriters actually weigh your health, why disclosing EVERYTHING protects you, how mental health is assessed, what's driving medical premiums through the roof, and where AI is about to change the whole process.

Whether you're a policyholder, thinking about getting covered, managing a health condition, an adviser, or just curious about an industry most people never see inside — there's something here for you.