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This reflects a number of factors, including the comparatively large role of government in the provision of social insurance services in New Zealand, and the small extent to which insurance products are part of New Zealand’s retirement savings infrastructure.” Following approval from the Reserve Bank of New Zealand (RBNZ) earlier this month, Foundation Life (NZ) Limited (Foundation Life) – which took over the Tower legacy life insurance book in 2014 – is transferring ~$35 million of annuity and unit-linked business to Lifetime Income Limited (Lifetime Income). NZ Student Plan is designed to help when things go wrong a long way from home. The policies affected are more commonly known as Carminder, Provident Insurance branded Motor Vehicle Insurance, Provident Insurance branded Luxury Motor Vehicle Insurance and Loanminder which were underwritten by Co-op Insurance NZ. From Kerikeri to Invercargill, and everything in between. 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