01
Truly independent
I'm not tied to one insurer. I compare the major NZ providers — Partners Life, AIA, Asteron, Chubb, nib, Southern Cross — and explain the trade-offs in plain language so the choice stays yours.
Independent insurance advisory · Aotearoa New Zealand
Insurance donewith care,not pressure.
I'm Yvonne — an independent adviser helping families and business owners across New Zealand choose life, medical, income protection and business cover that actually fits their life. Bilingual in English and 中文.
- Independent advice
- Bilingual EN · 中文
- Free first consultation
- Disclosure on request
001 / iCare
"It's not about selling more cover. It's about removing the things that genuinely keep you up at night."
— Yvonne Chen, Senior Insurance Adviser
How I work
Three things every iCare client gets
Independent advice in NZ should be a baseline, not a luxury. Here's what the relationship looks like.
02
Bilingual, no pressure
Every recommendation is delivered in both English and 中文 if you want it. We work at your pace, with paperwork translated and key terms explained, so nothing gets lost between languages.
03
Care after the policy
Your annual review, claim support, life-stage updates, and questions five years from now are part of the relationship — not extras you have to chase.
Services
What we plan together
Four pillars of personal & business protection. Most clients hold two or three of these — never all four — because what's right depends on the season of life you're in.
01
Life insurance
Make sure the people who depend on you don't also have to worry about money.
Read more
02
Medical & health insurance
Skip the public waitlist when it matters most. Private surgery, specialists, diagnostics.
Read more
03
Income protection
If you can't work for six months, your mortgage doesn't pause. Income protection does the heavy lifting.
Read more
04
Business & key-person cover
For owner-operators, partnerships, and family businesses where one person leaving changes everything.
Read more
Yvonne Chen · Senior Insurance Adviser
About Yvonne
Twenty minutes of honest conversation beats twenty pages of jargon.
I started iCare Insurance because too many of my friends — newly landed migrants, young families, small business owners — were buying policies they didn't really understand. Either they over-paid for cover they didn't need, or they were missing the one piece of cover that would have actually helped when life turned.
After working with several of New Zealand's largest insurers and licensed advisory practices, I went independent. That means no quota for any single company, no pressure to hit monthly targets — only a slow, honest conversation about your situation, your budget, and the trade-offs you're comfortable making.
I work bilingually in English and 中文. Most of my clients sit somewhere between two cultures and two financial systems, and the language we use to talk about money matters more than anyone admits.
Client stories
Real conversations, real outcomes.
Names withheld for privacy. The stories below are summarised from clients who agreed to share their experience anonymously.
We thought we already had life cover through KiwiSaver. Yvonne walked us through what was actually paid out vs what we'd assumed, in plain English, then gave us three options at three different price points and let us decide.
Auckland family, two kids under five
Outcome Replaced an expensive bank-bundled policy with independent cover and saved ~$1,800/year.
I'd been putting off income protection for two years because the language was confusing. Yvonne explained what 'wait period' and 'agreed value' actually meant for someone self-employed.
Christchurch café owner, 38
Outcome Set up income protection that pays out within 30 days of inability to work.
我们刚移民两年，对新西兰的医疗系统完全没概念。Yvonne 用中文给我们解释了公立和私立医疗的差别，再帮我们对比了三家公司的方案。
Wellington couple, recent migrants
Outcome Family of four insured under a tailored medical plan with bilingual paperwork.
Frequently asked
Things people quietly wonder, before they ever pick up the phone.
How does iCare get paid? Does this cost me anything?
Initial consultations are always free. Once a policy is in place, the insurance company pays a commission directly to the adviser — that cost is already built into the premium whether you go through me, a bank, or directly to the insurer. Going independent does not raise your price; it just gives you advice that isn't tied to one product. Our full disclosure document is available on request.
What is the difference between life insurance and ACC?
ACC only covers accidents — not illness. If you have a stroke, get cancer, suffer a heart condition, or develop a long-term illness, ACC does not pay out. Private life, trauma, and income protection insurance are designed to fill that gap. We go through your specific situation and identify which gaps actually matter for you.
I already have insurance through my bank or KiwiSaver. Do I still need this?
Sometimes yes, sometimes no. We review what you already hold, including bank-bundled cover, KiwiSaver default schemes, and employer group cover, and compare it against your real risk picture. We will tell you honestly when an existing policy is good enough and you don't need to change anything.
Can we do everything in Chinese?
是的。Yvonne is fluent in English and 中文 (普通话). Conversations, paperwork explanations, claim support, and key contract clauses can all be delivered in either language — whichever you're more comfortable in. Documents from the insurer are still issued in English (legal requirement), but we translate the meaning of every clause that matters before you sign.
Free 30-minute conversation
We'll figure out what's worth insuring — and what isn't.
30 minutes. No obligation, no upsell. By phone, video call or in person if you're in Auckland. Bilingual EN · 中文.
Book the conversation yvonne@icareinsurance.co.nz
Most enquiries are answered within one business day.