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iCareInsurance
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Why iCare

Quiet care, beats louder sales.

The reason iCare exists is simple: insurance shouldn't be the part of your financial life that feels the most aggressive. These six principles, and a four-step process, are what 'done with care' actually looks like.

A peaceful Aotearoa New Zealand suburban street at golden hour

01

Scope before products

Before any recommendation, ask which providers and products can be considered, which cannot, and how those limits affect the comparison.

02

Bilingual, EN · 中文

Conversations can be in English or 中文. The insurer's original application and policy wording remain the documents to rely on; ask for important explanations in writing.

03

Time to check the detail

A first conversation is for understanding your questions and agreeing the scope. Read the disclosure and policy documents, and take time to ask follow-up questions before deciding.

04

Care after the policy

Ask what review and claim-assistance services are included, what may cost extra and which decisions remain with the insurer. Keep the answer in writing.

05

Disclosure first

Before acting on advice, get current written details about the adviser, FAP, scope, provider limits, payment, conflicts and complaints process.

06

A review does not require a change

Do not cancel existing cover until any replacement is confirmed in force and the material differences have been explained. A review can end with no change.

The process

A careful process has four check-points.

Timing depends on the scope, information required and any insurer process. Do not rely on a fixed turnaround or decide before the written information is clear.

  1. 01

    Initial conversation

    Confirm the available meeting format, timing, scope and any fee, then map the people, debts, income and existing cover relevant to your questions.

  2. 02

    Written scope

    Get the disclosure that applies, including who provides the advice, provider limits, payment and complaints information.

  3. 03

    Documents & questions

    If an application proceeds, answer the questions asked accurately. Confirm how sensitive health and financial records should be supplied.

  4. 04

    Decision & records

    Compare the written recommendation with the insurer's final documents. Keep copies and confirm how future reviews or claim questions will be handled.

Start a conversation

Start with the questions that matter to your situation.

Request a conversation in English or 中文. Confirm the available format, timing, scope and any applicable fee before the meeting.

Book the conversation yvonne@icareinsurance.co.nz

If the form fails, use the email address above.