Insurance

The right cover isn't about products. It's about what happens when things go wrong.

Insurance is only proven in a claim. We structure yours so that when the moment comes, it works — and nothing important falls apart.

We don't lead with policy types. We lead with what they actually protect.

Here are two stories that show what the right personal cover looks like in practice.
Income Protection

He didn't miss a single mortgage payment. Even after six months off work.

Craig was 41, self-employed, and had just bought his second property. A serious illness meant he couldn't work for six months. His income protection policy — structured correctly — replaced 75% of his income from week four.

"I remember Mike telling me to get the right policy, not the cheapest one. I understood why six months later."

Trauma / Critical Illness

The diagnosis came at 47. The insurance meant she could focus on getting better.

Sarah was diagnosed with breast cancer in 2023. Her trauma cover paid a lump sum within weeks of diagnosis — enough to clear a significant portion of the mortgage, fund private treatment, and give her family breathing room.

"We always thought it wouldn't happen to us. That's the thing — no one thinks it will."

Personal Insurance

The right cover for what you actually need protected.

We review all existing policies — not just the ones we place — and tell you if you're over-covered, under-covered, or paying for something that won't perform when you need it.
  • Life insurance — protects your family if you die
  • Income protection — replaces your income if you can't work
  • Trauma / critical illness — lump sum at diagnosis of serious illness
  • Health insurance — faster access to private treatment
  • Total and permanent disability — if you can never work again
  • ACC CoverPlus Extra — for the self-employed, replacing standard ACC cover
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Business Insurance

Protecting the business you've built, not just its assets.

  • Key person insurance — protects revenue when a key person can't work
  • Business continuity / revenue protection — keeps the lights on during disruption
  • Buy-sell agreements — funded protection for ownership transitions
  • Shareholder protection — ensuring the right people end up with the right shares
Talk to us about business insurance →

His business partner died suddenly. The buy-sell agreement meant the business survived.

Two business owners, ten years in, sixty staff. One died unexpectedly. Without a funded buy-sell agreement, the business would have faced forced sale, family disputes, and collapse. With it — the surviving partner bought out the estate at a fair value within 30 days.

"It was the hardest year of my life. At least I didn't also lose the company we built together."

If you're in business with someone, this conversation is overdue.

One conversation could change what happens next.

Most people are either uninsured, underinsured, or holding policies that won't pay what they expect. We fix that — and show you the difference in plain language.
Book a free insurance review →