Insurance is one of those things most of us need but no one likes to talk about. We take the hassle out of organising insurance, making the process as simple as possible.
We have access to multiple insurers, to ensure you have the right cover for your situation.
Our advisers will guide you through the insurance process, from start to finish.
We aren't just here to put cover in place — we offer ongoing support when you need it the most.
Everyone's situation is different. We'll help you work out what you actually need — and just as importantly, what you don't.
Life insurance is important if you want to provide your family with a financial safety net in the event of your death. There are a number of things you need to consider when deciding on a level of cover:
We will help you work out exactly what cover you need.
Suffering a serious medical condition can leave you out of work for an extended period — maybe for good — and getting back on your feet can be an expensive process involving rehabilitation and ongoing medical costs.
To make sure you and your family don't suffer financially during this difficult time, trauma cover pays a lump sum to reduce debt, cover living costs and meet ongoing medical costs.
If you are never able to work again, the financial impact would be catastrophic. It is important to have enough insurance cover to pay off all debts and cover living expenses for the rest of your life.
TPD is relatively inexpensive compared to other insurances, so it is worth making sure you have enough cover for all of your costs.
This is one of the most commonly claimed insurances, as most people will have to stop work for a period during their working life. Although ACC can cover your income if you are off work due to injury, it is far more common to be off work for a long time due to illness — which is not covered by ACC.
If you are self-employed, we can also help you adjust your ACC cover so that your income is fully protected, without breaking the bank.
Mortgage repayment cover pays your regular mortgage payments if you're unable to work because of sickness or injury. There's an initial stand-down period of at least 4 weeks, and the cost is usually slightly cheaper than income protection.
Health insurance provides varying amounts of cover for less urgent medical issues, including day-to-day medical expenses, surgeries, specialist appointments and hospitalisation.
While the public health system is relatively good in New Zealand, private medical care allows you to have quicker treatment, appointments that don't get bumped, and access to private facilities.
We know insurance can feel like a lot. That's why we make it as simple as possible.
We find out all about you, your goals and what is important to you in life — that tells us what you may want to protect.
We put together a full statement of advice including quotes and recommendations, and present it to help you decide the best plan for you.
We run through a full application with you, covering your medical history and financial position, then present it to insurers who make you an offer.
Once you accept the offer of insurance, you're covered. We make sure everything is set up correctly so it all runs smoothly.
We plan to be your insurance adviser for life — helping with claims, unexpected issues, and regular reviews to make sure your cover still fits.
Still wondering about something? Give us a call on 0800 843 377 — happy to talk it through, no obligation.
In most cases, no — we're generally paid a commission by the insurer if you take out a policy through us. Full details of how we're paid are set out in our public disclosure, which we'll always share with you before you proceed.
We have access to multiple New Zealand insurers, which means we can compare cover and recommend what genuinely fits your situation rather than a single company's products.
Absolutely. Circumstances change, and cover that was right 5 years ago may not be right today. We can review your existing policies and let you know whether they still fit — and we'll tell you if they do.
ACC only covers injuries from accidents. It is far more common to be off work for an extended period due to illness, which ACC does not cover — that's where income protection comes in.
You call us. We help you lodge the claim, deal with the insurer, and support you through the process — that's a core part of what we do, not an extra.
We know it's hard to think about. That's why we make it as simple as possible.