Services
Four pillars. Held together by one honest conversation.
Most clients hold two or three of the cover types below — never all four. Which combination is right depends on whether you have dependants, debts, dependants' children, or a business that can't run without you.
01 / 04
Life insurance
Make sure the people who depend on you don't also have to worry about money.
- Term life cover with renewable & convertible options
- Trauma / critical illness cover for cancer, stroke, heart conditions
- Total & permanent disability (TPD) cover
- Mortgage protection structured around your loan term
02 / 04
Medical & health insurance
Skip the public waitlist when it matters most. Private surgery, specialists, diagnostics.
- Surgical & hospital cover (Southern Cross, nib, Partners Life, AIA)
- Specialist consultations and diagnostic imaging
- Optional GP, dental, optical, and prescription extras
- Existing condition reviews — what is and isn't covered, in plain language
03 / 04
Income protection
If you can't work for six months, your mortgage doesn't pause. Income protection does the heavy lifting.
- Indemnity & agreed-value income cover up to age 65/70
- Mortgage repayment cover for fixed-term protection
- Wait period structured to match your sick leave & savings
- Self-employed and contractor cover — what counts as 'income' explained
04 / 04
Business & key-person cover
For owner-operators, partnerships, and family businesses where one person leaving changes everything.
- Key-person life & disability cover
- Shareholder buy-sell agreement funding
- Business expense cover during illness or injury
- Group medical & life schemes for staff retention
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.