# State vs Mercer NZ

The clearest difference is update cadence: State at monthly against Mercer NZ's every 4 months. State also leads on review sentiment (11% vs 0%). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

State ships an update monthly, Mercer NZ every 4 months. The most recent releases landed on October 10, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | State | Mercer NZ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (4 ratings)](https://appshunter.io/ios/app/state/id995079326/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | **10.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 4 months |
| Monetization | Free | Free |
| Size | 78 MB | 25 MB |
| Requires iOS | 17.0 | **16.6** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [IAG New Zealand Limited](https://appshunter.io/developer/785110129) | [Mercer](https://appshunter.io/developer/510999051) |

## What reviewers say

### State

[App page](https://appshunter.io/ios/app/state/id995079326)

Manage your insurance policies, make payments, and start claims 24/7. Get new quotes in minutes and access all your policy documents easily. Log in quickly with PIN or Face ID.

**Highlights:** 24/7 insurance management, Fast login with PIN/Face ID, Online claim submission and tracking, Policy payment management, View policy information and documents, Get new quotes in 2 minutes

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Makes insurance easy
- 👍 Renewals are simple
- 👍 Checking insurance cover is easy
- 👍 Printing documents is easy
- 👍 Easy to pay online (once accessed)

**What reviewers complain about**

- 🐛 App requires newer phone/OS
- 🐛 Login issues (timeouts, incorrect password)
- 🐛 Difficult to make changes/add drivers
- 🐛 Slow and unfriendly customer service
- 🐛 Claim processing is slow

**Reported bugs**

- App requires newer phone/OS
- Login issues (timeouts, incorrect password, constant logouts)
- Cannot add drivers/make changes
- Security number expiry issues
- Claim processing delays

**Requested features**

- Allow adding drivers on the app
- Allow making changes to policies on the app
- Show monthly/weekly/fortnightly/annual premium in summary
- Clearly show payment transaction statement in one place
- Allow adding new addresses manually


### Mercer NZ

[App page](https://appshunter.io/ios/app/mercer-nz/id1489375340)

Manage your financial decisions and access scheme benefits easily. This app is designed to support your financial wellbeing by providing convenient access to all your plan's advantages.

**Highlights:** Access scheme benefits, Make financial decisions, Support financial wellbeing, Easy access to plan advantages

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is State free?

State is free to download, with no in-app purchases.

### Is Mercer NZ free?

Mercer NZ is free to download, with no in-app purchases.

### Do State or Mercer NZ have ads?

Neither State nor Mercer NZ shows ads.

### Which is updated more often, State or Mercer NZ?

State ships an update monthly, and Mercer NZ every 4 months. Most recently, State was updated on October 10, 2026 and Mercer NZ on October 17, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*