The questions people quietly wonder.

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.

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.

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.

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.

I sit with you through the claim. We collect medical reports, fill in the insurer's forms together, follow up if there's a delay, and push back politely but firmly on any unfair decline. You don't deal with the insurance company alone — that is the whole point of working with an independent adviser.

About 30 minutes by phone, video call, or in person if you're in Auckland. There's no obligation to take out cover. You'll leave with a clearer picture of what risks matter for your situation and roughly what they would cost to insure.