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Life Insurance
Get life cover you can trust. Plan the financial future of your loved ones.

While we wish you all live long and healthy lives, we want you to be able to support your loved ones should anything happen to you.

Car Insurance
Get a health insurance quote fast. Our health insurance has a Defaqto 5 star rating.

We understand a healthy family is a happy family. We always want to see your family happy and healthy. Are you self-employed or simply don’t have enough coverage at work? Let us pave your life for a healthy future!

House Insurance
Income protection insurance Get a quote and apply online today.

We understand how important it is to bring the paycheck home, we want to ensure you can do that even if you become unable to physically work due to an injury or illness.

Get a quote now, you can trust us. Get a free online personalized quote and learn more about coverages, money-saving discounts, and more.

Insurances Tailored For You We compare quotes for life, health, medical and income protection insurance and more to find great deals and prices.

Life Insurance

Getting life insurance can be one of the most gratifying commitments you will make in your life. Committing yourself to making consistent financial contributions to ensure the financial security of your loved ones is the best way of fulfilling your duties to your dependents. We hope that you live a long and fulfilling life, however, we would like you to be prepared for the unexpected. We want to help you ensure that your family will be able to continue to pursue their goals should something happen to you. So if it is your goal of paying off your mortgage in the next 10 years or sending your children to the prestigious institutions of their dreams we can ensure those will come into fruition through small premiums in your life insurance policy.

Income protection Insurance

Your greatest tangible asset is your income. We are sure you pride yourselves on being able to provide for your family and we wish the best for you and your family. We also want to provide you with a proactive measure to ensure that you can continue to do so in the event you become incapacitated due to a serious injury or illness. Nothing can be worse than being unable to provide. We can ensure that in the case of incapacitation you will still be able to provide for you family, get food on the table and pay all the necessary bills. Our licensed insurance advisers are available (put the timings they are available to answer i.e. if there is a 24/7 chat bot available use that or if there are other means then put the business hours of availability)

Health Insurance

Are you self-employed, or simply don’t have enough coverage at work? Let us help your family towards a healthier future with our comprehensive health insurance plan. We understand how monumental dental bills can be or how straining chiropractor or physiotherapist visits can be on your wallet. We have a highly dedicated team of licensed advisers who are trained to assess the health care needs of your family and provide you with a comprehensive plan that will support your family year after year with a deductible that you can afford. We conduct a quick yet comprehensive analysis of your family’s needs to provide you with an affordable payment that fits within your budget. We take into consideration everything that is important to your family including but not limited to dental, chiropractor, and physiotherapist when creating your health plan so that you are covered for things that are important to you while adjusting on areas less important to you. This allows us to ensure you are getting your monies worth out of your health insurance plan.

About Us

We are your insurance family for your life, health and income protection insurance should life steer any unexpected or strenuous circumstances your way. We want you to be prepared for the unknown, and our teams of experienced and knowledgeable associates are just a message away. We are compassionate and we promise you no grey lines. We communicate with complete transparency, void of complicated legal terms to ensure you are provided with all of the necessary information to make informed decisions that cater to your families needs. So click here to begin your life of financial security to ensure your loved ones are taken care of in case of unexpected circumstances.

Our Master Skills

Get a quote now, you can trust us. Get a free online personalized quote and learn more about coverages, money-saving discounts, and more.

Serving Your Insurance Needs Our team of licensed agents is experienced in creating personal and commercial policies.

Nicholas Fernandez

Nicholas Fernandez LIFE INSURANCE

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Isabelle Harvey

Isabelle Harvey LIFE INSURANCE

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Kyle Hamilton

Kyle Hamilton INCOME PROTECTION INSURANCE

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Johnathan Smith

Johnathan Smith HEALTH INSURANCE

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Frequently Asked Insurance Questions If you would like to discuss your insurance questions with us directly, give us a call at 0 (877) 123-4567

Why should I consider life insurance?

Life insurance can be one of the most significant, and valuable decisions you make towards planning and protecting the financial future of your loved ones. Our mission is to help New Zealanders across the country to be equipped with financial security by ensuring they understand the life insurance system by providing policies catered to each person’s specific needs. Our licensed life insurance advisors are trained to provide you with one-on-one support while educating you about our policies then generating policies catered to your needs.

What Is Income Protection Insurance?

Income protection insurance will provide you with financial stability in the event that you should become incapacitated due to an injury or illness. Should you experience a serious injury or accident the monies from your income protection policy will be able to support your family’s expenses enabling you to be able to feed your family, ensure your children can continue thriving in their swimming lessons or continuing routine activities that are important to you and your family. Our thorough process ensures we fully understand your living situation, income, and health so we can provide you with the most appropriate coverage at the most competitive cost so that if you ever need it, it will be able to sustain your family’s current lifestyle.

What Things Should I Consider When Choosing Life Insurance?

Getting Life Insurance is one of the most monumental life decisions you will make. For your convenience, we have provided you with a brief list to go over while you are considering getting a life insurance policy.

  1. Compare apples to apples.

Every conscientious buyer compares prices, AND value before making the purchase. Similarly, when acquiring quotes on life insurance, ensure that you are comparing similar policies when comparing prices being offered by various providers. Generally, term life insurance has lower premiums than a permanent life policy. For example, a $70,000 term life insurance will be substantially lower than a $70,000 permanent policy. Depending on your needs, it is quintessential to explore all of the different policy options, not just monthly premiums.

 

  1. Life insurance is protection not an investment.

When you decide to get life insurance the purpose of the purchase should be intended to protect your loved ones in the event of your death. Although permanent life insurance policies have the potential to earn cash value with the passage of time, they are not intended as investments.

  1. If available take advantage of the “grace” or “free look” period.

Even after you purchase your life insurance policy you normally get what is called a “free look” or “grace” period (bestinsuranceadviser gives you _______days) which allows you to make changes to your policy, or even reject it altogether even though you really don’t see any tangible results of the life insurance policy until the policy holder in questions is deceased. If, however you still feel the policy is not right for you, this is the time you can change your mind with no financial obligation.

Why is it important to buy health insurance in New Zealand?

Are you self-employed or still paying a lot for your existing health insurance plan?  It’s time you invested in or supplemented your existing plan with our health insurance plan to ensure your pockets aren’t strained in the event of a medical event or emergency. We can understand that it can be very difficult to save for emergencies and even harder to finance health care when medical events arise. It is completely worth investing your hard-earned money into the upkeep of your wellbeing so that when medical emergencies arise you will never have to compromise due to financial constraints. Our health insurance plans are catered to the needs of your family- should you child require an immediate root canal our policy will back you up and provide you with support during that important event. Or should your spouse need immediate attention after a work-related back sprain, we will be happy to provide you with assistance by providing funding to a chiropractor of your choice.

What Should I Consider When Choosing A Health Insurance Provider?

Choosing a life insurance plan can seem like a daunting and mind-boggling task, our list below will help you get your information together in a clear and listicle order to facilitate your decision- making process.

 

  1. How affordable is the premium?
  • How much will it cost me on a monthly basis?
  • Should I try to insure just major medical expenses or most of my medical expenses?
  • Is there a policy that at least covers my children?
  • Are there deductibles I must pay before the insurance begins to help cover my costs?
  • After I have met the deductible, what part of my costs are paid by the plan?
  1. Do the services included match my needs (and those of my family/ those included in the health insurance plan)?
  • Do I need to get permission before I see a medical specialist?
  • Are there any limits to how much I must pay in case of a major illness?
  • Is the prescription medication which I need covered by the plan?
  • Which specialists are covered by the insurance policy; dentists, chiropractors, physiotherapists, etc.
  1. What are the experiences, and reviews of my family and friends who currently have or had a health care insurance?
  • What do my friends say about their experience with a specific plan?
  • What does my doctor say about their experience with a specific plan?

How To Choose Income Protection Online?

Income protection plans are extremely important investments in securing the financial future of you and your dependents. We want to make sure you understand the process and some of the important things you should consider listed below before you purchase an income protection insurance plan.

  1. The waiting period.

This is the length of time the insured must be disabled prior to becoming eligible to claim the benefit. Generally, the premium reduces as the waiting period increases. The main factor to consider when determining the length of the waiting period is to determine how long you will be able to sustain yourself (and your dependents if applicable) financially should you become seriously injured or decapitated

  1. The percentage of income insured.

Income protection policies generally ensure a monthly benefit up to 75% of income. Logically the higher the monthly benefit, the higher the premium. When deciding on the percentage of income to ensure your fixed living expenses and any other source of supplementary income are the most important factors in decision making.

  1. The benefit period.

In a life insurance policy, the benefit period is the maximum length of time that a claim will be paid. Benefit periods are either expressed as a defined period (eg, two or five years) or until a certain age (e.g., to age 50 or 65).

The longer the potential claim period, the more expensive the premium.

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