Insurance

We take a connected approach to financial wellbeing – and that includes your insurance. Whether you’re buying your first home or reassessing your personal insurance cover, we help you build a protection plan that fits your life today and supports your long-term goals.

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How can we help?

We look at your situation, priorities and budget, then map out the cover that genuinely fits. Our role is to make insurance feel clear and manageable, giving you confidence that the people and things that matter most are properly protected.

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Life insurance

Life insurance provides a lump-sum payment to your chosen beneficiaries upon your death or diagnosis of a terminal illness. This financial support can help your loved ones manage debts, cover ongoing living expenses, and maintain their quality of life during a difficult time.

Health insurance

While New Zealand has a public healthcare system, private health insurance offers more choices and faster access to treatment. It can cover the costs of private hospital care, specialist consultations, and non-subsidised treatments, helping you get back on your feet sooner.

Income & mortgage protection

This insurance provides a regular monthly income if you are unable to work due to illness or injury. It helps you cover your mortgage repayments and other essential living costs, protecting your financial stability and giving you peace of mind while you recover.

Trauma insurance

Also known as critical illness cover, this insurance pays a lump-sum amount if you are diagnosed with a specified serious medical condition, such as cancer, a heart attack, or a stroke. This payment can be used for any purpose, such as covering medical bills, modifying your home, or taking time off work to recover.

Disability insurance

This insurance provides financial support if you become permanently disabled and are unable to work. It can be paid as a lump sum or a regular income, helping you to adjust to your new circumstances, cover ongoing costs, and maintain your financial independence.

Free Insurance Review

A free, no-obligation insurance review that helps you understand whether your current protection plan is genuinely working for you. This is a personal session designed to give you confidence in your cover. During the review we will:

Look at whether your current protection plan is the right fit.
Identify any gaps or overlaps in your cover.
Make sure your plan is up to date and serving its purpose.
Check that it aligns with your financial goals and stage of life.
Ensure your protection plan gives you the right level of cover, without overpaying.

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Why have an insurance review?

Peace of mind

A free insurance review gives you clarity about whether your current protection plan is still working the way it should. It’s a simple way to ensure you and your family are covered with confidence today.

Changing needs

Life moves quickly, and your insurance should keep up. As your needs shift, we can review your cover alongside your mortgage and KiwiSaver to make sure everything stays aligned with your goals and budget.

Holistic view

Instead of juggling advice from different places, you get one trusted team who looks at the full picture. We help you make decisions with a joined-up view of your overall financial wellbeing.

Talk to an adviser

Whether you’re new to insurance or already have cover in place, we make it simple to ensure your protection is structured properly and up to date.

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Latest Insurance News

Monthly Update 'Dec 2025'

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Insurance FAQ's

Simple, clear explanations about personal insurance - what it is, why it matters, and how it protects your home and family.

Why do I need personal insurance once I’ve bought a home?

Buying a home is a huge milestone - and it often comes with bigger financial responsibilities. Personal insurance helps protect your income, your home, and your family if something unexpected happens, so your lifestyle and plans don’t unravel during a tough time.

What types of personal insurance should homeowners consider?

Most homeowners look at a combination of:

Life insurance – to help clear or reduce debt if you pass away

Income protection – to replace income if you can’t work due to illness or injury

Trauma / critical illness cover – for serious health events

Health insurance – for faster access to treatment

We help you understand what actually matters for your situation - not what you “should” have.

Is personal insurance expensive?

It doesn’t have to be.
Insurance is about balancing cover, cost, and peace of mind. We tailor policies to your budget and priorities, and adjust things as your life changes - so you’re not over-insured or paying for cover you don’t need.

What’s the difference between life insurance and trauma cover?

Life insurance pays out if you pass away, helping your family cover debt and living costs.

Trauma (critical illness) cover pays out if you’re diagnosed with a serious illness, like cancer or heart disease, so you can focus on recovery without financial stress.

Many people benefit from having both.

I already have insurance through work - do I still need more?

Possibly - and often yes.
Work cover can be limited, temporary, or not enough for your specific situation. We can review what you already have and recommend what you might need to top up to properly protect your family and mortgage.

How much cover do I actually need?

That depends on your goals, lifestyle, and responsibilities.
A good starting point is to cover:

Your mortgage and living costs

Any debts

Your family’s future needs

But the right amount varies for everyone - and we’ll help you figure it out based on your real life, not a generic calculator.

What if I already have insurance, but my situation has changed?

This is one of the most common reasons people come to us.
Life changes like having kids, changing jobs, buying a home, or taking on more debt can mean your existing cover is no longer enough.
We can review your current policies and update your cover to match your new reality - without unnecessary overlap or extra cost.

Do I need insurance to get a mortgage?

Not always - but sometimes it’s required depending on the lender and your situation.
Even when it’s not required, insurance is highly recommended once you’ve got a mortgage because it protects your ability to keep the home you’ve worked hard to buy.

What’s the difference between general insurance and personal insurance?

General insurance covers things, like your home, contents, car, or liability.

Examples include:

- Home insurance

- Contents insurance

- Car insurance

- Landlord insurance

Personal insurance covers people — specifically your ability to earn an income and protect your family if something happens to you.
Examples include:

- Life insurance

- Income protection

- Trauma (critical illness) cover

- Total and permanent disability (TPD)

In short: general insurance protects your assets, while personal insurance protects your life and income.

Ready to get started?

Book a call with an insurance adviser today and lets talk through your options. We’ll guide you through the process step by step, making sure you know exactly what to expect.