About Yvonne Chen
A long quiet conversation, before any policy.
iCare Insurance is the work of Yvonne Chen, Senior Insurance Adviser based in Auckland. Bilingual in English and 中文, focused on families, new migrants, and small business owners across New Zealand.
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.
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Disclosure
Full Financial Advice Provider disclosure available on request — what I'm licensed to advise on, who pays me, and how complaints are handled.
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Independence
Not aligned with any one insurer. I review the major NZ providers and recommend what fits — including 'don't change anything' when that's the answer.
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Continuity
Annual reviews, claim help, and life-stage updates are part of the relationship at no extra cost.
Credentials
Licensed, disclosed, and continuing to learn.
iCare Insurance operates under New Zealand's Financial Markets Authority (FMA) framework as part of a Financial Advice Provider (FAP). A full Disclosure Statement, including licence details, the insurers I can advise on, how I'm paid, and how complaints are handled, is available at any time — usually before our first conversation.
Continuing professional development is required by the FMA each year, and I take that minimum as a floor, not a ceiling. Most of my reading focuses on changes to insurer underwriting in NZ, the way trauma definitions evolve, and where Southern Cross / nib / Partners Life / AIA currently differ in claims behaviour.
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FAP
Operating within a licensed Financial Advice Provider authorised to advise on personal life, medical, income protection, and small-business cover.
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Languages
English (NZ), 中文 (Mandarin) — written and spoken.
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Office
91 Mackay Drive, Greenhithe, Auckland 0632. Auckland in-person; nationwide via phone & video.
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Disclosure
Provided on request before any product recommendation, by email or printed copy.
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Disputes
Member of an approved external dispute resolution scheme. Scheme name and contact details are listed in the Disclosure Statement.
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Direct contact
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.
Most enquiries are answered within one business day.