Personal Insurance

Life is unpredictable, but your family's security doesn't have to be. Personal insurance safeguards your loved ones' lifestyle and dreams when the unexpected happens. It ensures your children can continue their education, your family can stay in their home, and bills get paid even if you're unable to work.

Think of it as a promise to your family - that their world won't be turned upside down by illness, injury, or loss. From income protection to medical coverage, personal insurance gives you confidence that your loved ones will always have the support they need.

Take control of tomorrow by protecting what matters most today.

  • Life insurance protects your family's financial future if something happens to you. It can pay off your mortgage, ensuring your family keeps their home, cover daily expenses, and fund your children's education. It's not just a policy - it's peace of mind knowing your loved ones are taken care of.

  • Income protection insurance safeguards your most valuable asset - your ability to earn. If illness or injury prevents you from working, it provides regular payments to help cover your mortgage, bills, and living expenses. It gives you peace of mind knowing your family's lifestyle is protected while you recover.

  • Trauma insurance provides vital financial support if you're diagnosed with a serious illness like cancer, heart attack, or stroke. The lump sum payment helps replace lost income while you're unable to work, and gives your partner the option to take time off to support your recovery.

    With bills and everyday expenses covered, your family can maintain their lifestyle while you focus on getting better. It means having the financial freedom to take time to recover, without the pressure of rushing back to work too soon.

  • Private medical insurance gives you quick access to quality healthcare when you need it most, without lengthy public waiting lists. Choose your specialist, hospital, and treatment time, ensuring you get the right care at the right time. It covers expensive procedures, specialist consultations, diagnostic tests, and ongoing care - letting you focus on recovery without worrying about the financial impact on your family.

  • Total and Permanent Disability (TPD)
    Insurance Pays a lump sum if you become permanently disabled and can't work again. This helps cover long-term care costs, home modifications, and maintaining your family's lifestyle when you're unable to earn an income.

    Redundancy Insurance
    Provides temporary income if you lose your job through no fault of your own. Helps cover living expenses while you search for new employment.

Why work with an Adviser?

Choosing the right insurance can feel overwhelming, but that's where our expertise makes all the difference. Our financial advisers take a personalized approach to finding you the best coverage for your needs and budget.

We start by understanding your unique situation - your family, lifestyle, financial commitments, and future goals. This helps us identify exactly what types of protection you need and what you don't.

With access to New Zealand's leading insurance providers, we compare policies and find options that give you the best value. We explain everything in clear, simple terms so you understand exactly what you're covered for.

Our independent advice means we work for you, not the insurance companies. We ensure you're not paying for unnecessary coverage while making sure you have protection where it matters most.

When you need to make a claim, we're here to help - managing the process and advocating on your behalf with the insurance company.

  • As independent advisers, we work for you, not the insurance companies. This means you'll get honest, unbiased recommendations focused on getting you the right coverage - no more, no less.

  • When you need to make a claim, you won't face it alone. We will help handle the entire process, dealing with paperwork and insurance companies, so you can focus on what matters most.

  • Insurance can be complex, but understanding your coverage shouldn't be. We explain your policy in plain language, ensuring you know exactly what you're covered for and how it protects you.

  • Your life is unique, and your insurance should be too. We create a customised plan that fits your specific situation, lifestyle, and budget, giving you protection where you need it most.

  • We partner with New Zealand's leading insurers, giving you access to a comprehensive range of insurance options. This means better choices and more competitive rates for you.

  • Your time is precious. That's why we offer flexible phone and video consultations that fit around your schedule. Meet with our advisers from the comfort of your home or office - we make protecting your future simple and convenient.