The cost of living in New Zealand keeps climbing higher and higher. From groceries to insurance premiums, many Kiwis are feeling the pinch. But what if there was a way to make insurance more accessible, using a system we already have in place? Enter KiwiSaver. Inspired by how Australians use their Superannuation accounts to fund insurance, could a similar approach work here? In this thought leadership piece, we explore the possibilities of integrating insurance into KiwiSaver and what lessons we can learn from Australia's experience.