It's 3am and all is quiet in the house except for the ear-piercing cries of your precious bundle of joy.

**WARNING: MAJOR SPOILER ALERT**

Below is an extract from Sorted's How to protect yourself from fraud and being scammed guide.

This article was originally written by Alex Casey as part of The Spinoff's Death Week, created in partnership with AA Life Insurance. View the original article here.

This article was originally written by Shanti Mathias as part of The Spinoff's Death Week, created in partnership with AA Life Insurance. View the original article here.

There are two universal experiences in this world: living and dying. And if you’re reading this, it means you’ve already experienced one of them.

Life Insurance can help make the hardest time a little easier for those you love. On the whole, Kiwis are underinsured1 – and the AA Life Insurance team want to . . .

We are loving love here at AA Life Insurance. To celebrate, we thought it would be love-ly to curate a little list of unique ways to show your love – . . .

If you have recently become a grandparent, you’ll be familiar with how wonderful it is to see your children begin a family of their own.