A New Approach to Quantifying Personal Insurance Risk.
RiskQP gives insurance advisers the tools, education, and ecosystem to measure financial risk before advice begins — replacing ignorance with an educated estimate.
The Insurance Industry Has a Problem Nobody Has Fixed.
Until Now.
Every year, billions of dollars of insurance goes unwritten. And the people who needed it remain dangerously underinsured — exposed to financial risks they don't even know they're carrying.
Not because people don't need cover. Not because advisers aren't trying. But because the conversation often starts with a stranger telling them they need insurance — while potentially earning from the outcome. Naturally, people wonder: 'Do I need this, or am I being sold to?'
Most people don't discover their financial risk until it's too late.
Loss of Primary IncomeA family loses its primary income and suddenly faces years of financial uncertainty.
Inability to WorkAn illness or injury prevents someone from working, putting everyday expenses and mortgage repayments under pressure.
Medical DiagnosisA serious medical diagnosis changes everything, revealing financial gaps no one anticipated.
RiskQP helps make those risks visible before life does. Through the 3D Lab™ assessment, we turn complex financial risks into clear, objective numbers—giving individuals and advisers the insights they need to make informed protection decisions.
Insurance advice has always been subjective — two advisers, same client, two different recommendations. Neither wrong. Neither provably right.
Clients arrive at their first meeting with no understanding of their own risk — which means the adviser spends their best hours educating instead of advising.
The industry has typically sold solutions before understanding the problem. Advisers advertise life cover, income protection and trauma plans to people who have never once been shown what they actually stand to lose — like recommending Panadol to everyone with a headache without ever asking what's causing the pain.
Every risk assessment tool ever built for insurance has been locked behind an adviser's login. Consumers have never had access to their own numbers. They've had to take someone else's word for it — someone who earns a commission from the answer.
Think about how a doctor works.
Patients don't need convincing that they're sick. They arrive at the surgery because they already know something is wrong — a symptom, a number, a result that concerns them. The doctor's job is to diagnose and solve. Not to persuade. Not to overcome objections. Not to justify their fee before the conversation has started.
Insurance advisers have never had that starting point. Until a client has seen their own numbers — their actual dollar exposure across life, income and health cover — the adviser is always selling before they're advising. That's not fair to the adviser. And it's not good for the client.
That changes today.
Why We Built the 3D Lab™
Before we show you the platform, let us show you the thinking behind it.
3D Lab™ gives every client their risk assessment before they walk in the adviser's door.
A five-minute assessment. A personalised Protection Assessment Estimate. Your client's financial risk, quantified in dollars across Death, Disability and Disease — before the advice process begins and before a single recommendation is made.
For the first time, this tool is available to anyone. No adviser login required. No gatekeeping. Clients discover their own numbers on their own terms — and arrive at the advice conversation already informed, already engaged, and ready for the solution.
Same framework. Same methodology. Same objective starting point — for every client, every time.
"Does your doctor say 'buy my surgery'? No. The diagnosis speaks for itself. 3D Lab™ is the diagnosis."
One Platform. Three Ways to Win.
RiskQP is more than a tool. It's a complete ecosystem for advisers who want to grow smarter, advise better, and close more confidently.
3D Lab™
Our flagship risk quantification tool. 3D Lab™ works across the entire client relationship — from first contact through to life event reassessment. Clients discover their likely risk exposure in real dollars across Death, Disability and Disease, and arrive at every conversation already informed. Whether they're a brand new prospect or a client whose circumstances have just changed — 3D Lab™ gives you a professional, frictionless reason to be part of that moment, with a client ready for advice.
Explore the PlatformRiskQP Academy
Advice coaching from Steve Wright — one of New Zealand's most respected insurance advice educators. Build the knowledge that supports suitable advice.
Explore the AcademyAdviser Marketplace
A curated marketplace of the latest and greatest tools built for insurance advisers — from note-taking and policy comparison to lead generation and new product launches. One place. Carefully vetted. Built around your workflow.
Browse the MarketplaceEvery person deserves to know exactly how much financial risk they're carrying — before anyone tries to sell them anything.
That's not a product pitch. It's a principle. Risk quantification is the foundation of honest, high-quality insurance advice.
RiskQP is building the tools, the education, and the community to allow that — built in New Zealand, for New Zealand advisers.
Built in New Zealand.
For New Zealand Advisers.
This is our home market. We know the NZ insurance landscape inside out — KiwiSaver, FSPR, the Financial Markets Conduct Act, and every major NZ insurer. 3D Lab™ is calibrated specifically for New Zealand advisers and their clients.
New Zealand · Launching Now
3D Lab™ is live and accepting adviser registrations. Join the waitlist and be among the first 3D Lab™ Certified Advisers in New Zealand — with founding pricing locked in forever.
Express Your InterestReady to Lead With Numbers?
Express your interest. Be among the first advisers in New Zealand to offer clients a personalised Protection Assessment Estimate Report — and start every conversation with the numbers already on the table, with clients who understand their need for protection and the value of your advice.
No spam. No commitment. Just first access when we launch.