We don't lead with policy types. We lead with what they actually protect.
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.
- 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
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
His business partner died suddenly. The buy-sell agreement meant the business survived.
"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.