Let’s talk having a diagnosis that means I won’t survive, and receiving a lump sum or regular payment from a third party before I do. That protection from a third party who will pay if things go wrong is called insurance, and the companies who put it together provide policies that explain what you’re protected for and when, and in return you pay a premium to ensure you have these protections. The premiums are pooled, so it’s a bit like the team of 5 million – all payers of insurance are in this together. New Zealanders are significantly underinsured. A recent report by the Reserv...