Insurance Products: US 28096

This resource helps teachers deliver the Financial Capability Unit Standard 28096 ‘Demonstrate understanding of insurance products for personal financial capability (Level 2, 3 Credits). Students will learn about the importance of full disclosure when initiating an insurance policy and the consequences of non-disclosure.

All the financial capability standards have changed, we will be updating them over the coming months. The old versions are valid for assessment until the end of 2022

Curriculum Links

Financial Capability is a core generic domain on the New Zealand Qualifications Framework. This unit of work also has links to the Social Sciences and Mathematics and Statistics learning areas.


Click here for an Interactive Financial Capability US Matrix

Insurance Products: US 28096

  • Year 11-13
  • 25-30 hrs
  • Mathematics and Statistics
    Social Sciences
    Level 2 Financial Capability Unit Standard
  • Free to NZ schools
  • Led by teachers
    Training Available
Download overview

Students taking part will

  • Investigate car, travel, house, contents, health, income protection and life insurance 
  • Investigate levels of excess on insurance types 
  • Explain risks related to disclosure and non-disclosure
  • Complete a practice assessment


For access to the detailed Teaching Guide and Student Assessment for this Unit Standard, please contact us via email at:

Download includes:

  • Activity: 28096 Interactive Student Workbook
  • Helpful information
  • Using Financial Capability Unit Standards