Insurance
Insurance That Actually Does Its Job
Most New Zealanders are either underinsured, over-paying, or covered for the wrong things. We cut through the noise, compare the options, and build you a plan that’s engineered to actually match your life – your income, your mortgage, Your family and your future.
No cookie cutter policies. No unnecessary premiums. Just smart cover that works as hard as you do.
How It Works
Getting the right insurance doesn’t have to feel overwhelming.
Here’s how we make it simple:
STEP 1
Let's talk about what matters
We start by understanding your life, not just your age and health. Your income, your mortgage, your family situation, and what would happen if things went sideways. That's where we begin.
STEP 2
We Do the Heavy Lifting
We compare policies across multiple providers, decode the fine print, and identify the gaps most people don't know they have. You get a clear picture of your options without the overwhelm.
STEP 3
We Build Your Cover
Together, we design a cover structure that fits your budget now, and your life long term. Including smart strategies like blended cover that keeps your premiums low while your mortgage shrinks.
STEP 4
We stay in your corner
Life changes. So should your insurance. We check in as your circumstances shift to make sure your cover still does what it's supposed to.
Core Types of Cover
Life Cover
If you die or are diagnosed with a terminal illness, life cover pays a lump sum to the people who depend on you. It’s there to clear the mortgage, cover ongoing living costs, and give your family breathing room at the worst possible time. This one typically suits anyone with a mortgage, dependants, or a partner who relies on their income.
Trauma Cover (also called Critical Illness Cover)
Trauma cover pays you a cash lump sum if you’re diagnosed with a major illness such as cancer, a heart attack, or a stroke. You can spend it however you need to — treatment costs, time off work, or simply paying the bills while you focus on getting better. It typically suits anyone who wants a financial buffer to fall back on if a serious diagnosis turns life upside down.
Total and Permanent Disability Cover (TPD)
TPD pays you a lump sum if an accident or serious illness leaves you permanently unable to work in your occupation. It’s designed to fund the bigger, long-term changes — paying down debt, adapting your home, or replacing lost future income. This typically suits anyone whose income is essential to their household, particularly those in physically demanding roles.
Income Protection
Income protection replaces a large portion of your regular income if illness or injury stops you working, paid out month by month rather than as a lump sum. It keeps your day-to-day life running while you recover. This typically suits anyone who doesn’t have savings deep enough to cover several months without a pay cheque.
Health Insurance
Health insurance covers the cost of private medical treatment and gets you seen by specialists and into surgery faster, without the public system’s wait times. It typically suits anyone who wants certainty over timing and choice of treatment, rather than relying solely on the public system.
Mortgage Protection
Mortgage protection specifically covers your mortgage repayments if you’re unable to work due to illness, injury, or redundancy, so you don’t risk falling behind or losing your home. It typically suits homeowners who want their single biggest expense protected first, even if they don’t yet have broader cover in place.
Why sort your insurance with us?
Your Mortgage and Your Cover Work Together
Most advisers treat insurance as a separate conversation. We don’t. Your cover is built around your mortgage, your income, and your retirement plan – all at once.
We Know How To Structure It Properly
There’s an art to building insurances that’s cost effective now, and still relevant in 15 years. We use proven strategies to keep premiums manageable without leaving you exposed.
Independent Advice, Every Time
We’re not tied to one provider. We compare across the market and recommend what’s right for you, not what pays the best commission.
Ongoing Reviews Included
We don’t disappear after you sign. We’re here to review your cover as your life evolves – because what worked at 32 might not be right at 45.
How Insurance Works
What Does Personal Insurance Actually Cover?
Personal insurance isn’t just one thing. It’s a set of covers designed to protect different parts of your financial life. Life cover pays out if you die, giving your family breathing room to clear the mortgage and keep going. Income protection replaces your salary if you can’t work die to illness or injury. Trauma covers pays a lump sum if you’re diagnosed with a serious condition. Health insurance gets you seen faster and treated better, without the public wait times.
The trick is knowing how much of each you actually need, and hoe to structure it so the premiums don’t blow out your budget. That’s exactly what we do.
Frequently Asked Questions
Do you provide insurance directly?
No – we’re advisers, not insurers. That means our job is to compare the market, explain your options clearly, and recommend cover that genuinely fits your situation. We work with leading NZ insurers including Asteron Life and Booster Insurance.
What types of insurance can you help with?
We advise on personal risk cover: life, trauma, total and permanent disability, income protection and health insurance. For house, contents and vehicle insurance we refer you to Tower.
How do you make sure I'm not paying for cover I don't need?
We build your insurance around your actual liabilities – your mortgage balance, your income, your dependents. We use a structured approach that avoids over-insuring and keeps premiums as efficient as possible.
Can you review my existing policies?
Absolutely. If you’ve had insurance for a few years without a proper review, there’s a good chance things have changed. We’ll check whether your cover still stacks up and whether you’re getting value for what you’re paying.
Is life insurance really worth it while I'm young and healthy?
The best time to sort your insurance is before you need it. Health loadings and exclusions happen when you apply, not when you claim. Locking in good terms while you’re healthy protects your future self from a much harder conversation later.