LiftOff / Insurance Advice
Cover the people
and things that matter most.
The right cover at the right cost — nothing surplus, nothing missing. We review all major NZ insurers to find what actually fits your life.
ACC doesn't cover everything
Illness, not just accidents. We find the gaps and fill them.
The Reality
ACC only covers accidents.
Everything else is on you.
Illness and injury unrelated to accidents — cancer, heart disease, mental health — account for 80% of long-term work absences. ACC pays nothing for any of it. Most Kiwis have no financial fallback when it happens.
$670B
NZ's estimated life and income protection gap.
Financial Services Council, 2023
70%
of Kiwis are underinsured, many with zero income protection.
FSC NZ
80%
of long-term work absences are from illness — ACC covers none of it.
NZ Ministry of Health
No Cost to You
Our insurance advice
costs you nothing.
We are remunerated directly by the insurance provider when a policy is placed. You pay $0 for the advice — and that remuneration is always disclosed in writing before you decide to proceed.
What We Advise On
Six types of cover.
One strategy.
Life Cover
A lump-sum payment to your family if you die. Pays off debt, funds living costs, and replaces your income for those who depend on it.
Trauma Cover
Pays a lump sum on diagnosis of a serious illness: cancer, heart attack, stroke, and more. Lets you focus on recovery, not bills.
Income Protection
Replaces up to 75% of your income if illness or injury stops you working. The most underused cover in New Zealand.
Total & Permanent Disability
A lump sum if you are permanently unable to work in any capacity. Funds long-term care and lifestyle adjustments.
Mortgage Repayment Cover
Covers your mortgage payments specifically during an extended absence from work — so you keep the house.
Keyperson / Business Cover
Protects a business from the financial impact of losing an owner or key employee to illness, injury, or death.
Why Advice Matters
The right cover
at the right cost.
Independent
We compare policies across all major providers, not just one insurer.
Right-sized
Many Kiwis are over-covered in some areas and completely exposed in others.
Tax-smart structuring
Some insurance can be structured through a business or trust for tax efficiency.
Reviewed annually
Your cover evolves as your life does — children, mortgages, income changes.
Insurance does not sit in isolation. The best financial plans align cover with your KiwiSaver balance, investment portfolio, and income — so your protection adjusts as your wealth grows.
Our Process
Clear advice,
no surprises.
Most insurance engagements take two to three weeks from first call to policy in place. We handle the paperwork, comparisons, and applications so you do not have to.
01
Needs Analysis
We map your current financial position, dependants, liabilities, and income to understand your actual exposure.
02
Gap Assessment
We identify exactly where you are underinsured or paying for cover you do not need.
03
Market Comparison
We compare policy terms, premiums, and exclusions across all major NZ insurers — not just the ones we have relationships with.
04
Written Recommendation
A Statement of Advice documenting our recommendations and the reasoning behind each cover decision.
05
Application & Review
We manage the application process and set a schedule for annual reviews so your cover stays current.
In Practice — Case Study 02
Sarah & Tom, 31
Nurses · Wellington
Married and renting, with $68k saved. Tom had zero income protection — neither realised ACC doesn't cover illness. Neither had reviewed their cover since starting work.
Income protection (75% of income), life cover, and trauma for both partners
Restructured two existing policies to fund the new covers
Written Statement of Advice covering all recommendations
Outcomes
$3,800
Per month insured income floor if either cannot work
$0
Net cost increase — funded by restructuring existing policies
26 mo
To home purchase — savings plan now on track
Our Partners
Provider-agnostic.
Always.
We are not tied to any single insurer. Our recommendations are based entirely on which policy best fits your situation, health history, and budget — not our panel agreements.
Insurance Advice
Ready to protect
what matters most?
A full insurance review — we compare all major NZ providers and recommend cover that genuinely fits. No gaps. Nothing surplus.
Get Insurance Advice