The Insurance Guy — Great Advice. No Fees.
Where every conversation starts
Five areas. One world.
Before cover, before quotes, before any paperwork — we talk about your life. These five areas are how I make sure nothing important gets missed.
Then I design cover around that picture — not the other way round.
Who depends on you, and who you'd lean on.
The mortgage or the rent, and the place you'd want to keep.
What you earn, how steady it is, and what ACC would and wouldn't do.
The things you're not willing to give up.
Debts, savings, and the plan you're working toward.
Work can stop before life does.
If your health changes, what else changes? Treatment, earnings, caring and everyday commitments can put pressure on the same household.
An illustrative household. Different possible outcomes, not a fixed sequence. Payments shown assume the relevant claim conditions are met.
Waiting for care affects more than your health.
If your condition keeps you from work or everyday life, waiting can add to the household pressure.
Care to arrange. Everyday costs continue. Illustration, not to scale. Health insuranceMore options for getting treatment.
Can help fund eligible private treatment alongside the public system. Some plans also cover eligible medicines Pharmac does not fund. Funding care can leave more household money for other needs.
Eligible care funded. Your share and everyday costs remain. Illustration, not to scale. Benefits, excesses and approval requirements vary by plan. Whether and what a policy pays depends on its wording, any exclusions and limits, and the insurer's assessment of the claim.
Getting treatment and paying the bills are different pressures.
Time off work. Bills still due.
If illness or injury stops you working, household income can fall below everyday costs.
Income falls. The remaining shortfall is shown in red. Illustration, not to scale. Income protectionHelp keep the household running.
Income Protection and Mortgage Repayment Cover can provide monthly support for qualifying illness or injury, after a waiting period and within the benefit period.
After a wait, monthly support helps. A shortfall remains. Illustration, not to scale. Other payments, including ACC, may reduce benefits. Rules differ between policies. Whether and what a policy pays depends on its wording, any exclusions and limits, and the insurer's assessment of the claim.
And if someone needs time off to care for you?
Serious illness can change the whole household.
Treatment, time away from work and extra help can put pressure on the same budget.
Time to care. Treatment costs. Life at home. Illustration, not to scale. TraumaMoney for treatment, time off or help at home.
Can pay a lump sum when a serious condition meets the policy’s definition. It can help with living costs, treatment or time off for someone caring for you. What you use reduces what remains.
One lump sum: some for care, some for bills, some held in reserve. Illustration, not to scale. Condition definitions, stand-down and survival requirements may apply. Whether and what a policy pays depends on its wording, any exclusions and limits, and the insurer's assessment of the claim.
Treatment funding and monthly support can help a lump sum last longer.
What if you couldn’t return to work?
A lasting change to working capacity can affect years of household plans and commitments.
The same commitments. A much longer horizon. Illustration, not to scale. TPDA lump sum for a changed future.
Total and Permanent Disablement Cover can pay a lump sum when illness or injury meets the policy’s definition. It can help reduce debt, adapt a home or fund future living costs.
One lump sum: a selected debt cleared, adaptations and a reserve. Illustration, not to scale. Occupation or everyday-activity tests depend on the policy. Whether and what a policy pays depends on its wording, any exclusions and limits, and the insurer's assessment of the claim.
Clearing a debt can remove its repayments. Other needs continue.
If you died, what would your family need?
Income, care and everyday contributions may need replacing while home and family commitments continue.
The home, the care and the plans that continue. Illustration, not to scale. LifeHelp fund the life that carries on.
Can provide a lump sum after death to help meet living costs, debt and future needs. Some policies also provide an early payment for a qualifying terminal illness.
One lump sum, allocated across debt, living costs and a reserve. Illustration, not to scale. An early payment can reduce the amount available later. Whether and what a policy pays depends on its wording, any exclusions and limits, and the insurer's assessment of the claim.
The right amount starts with the people and commitments in your life.
Funding treatment can preserve savings. Monthly support can help a lump sum last longer. What you use for one need changes what remains for another.
Some Trauma and TPD benefits are linked to Life Cover. A payment can reduce the Life Cover remaining. Existing cover, savings and any eligible ACC or government support also belong in the picture.
The people behind the work.
The same connection between people, work and commitments. Two different ways to plan for it.
What happens when a key person can’t work?
Running costs and responsibilities may continue while a key person is away.
Business costs can continue while revenue is affected. Illustration, not to scale. Business insuranceFunding to help the business respond.
Different covers can help a business respond to a key person’s death or disability, meet eligible running costs, or fund an agreed ownership arrangement. The structure depends on the business and the risk.
Overhead-cover example: help with eligible running costs. Illustration, not to scale. Insured events, payment recipients and conditions depend on the arrangement. Whether and what a policy pays depends on its wording, any exclusions and limits, and the insurer's assessment of the claim.
Business commitments and household commitments need their own plans.
What support comes with the job?
Cover arranged through work may already form part of your household’s protection.
Different working lives. Different needs. Illustration, not to scale. Group insuranceCover arranged through work.
Life, health or income cover may be arranged through an employer. What is included, and who is eligible, depends on the scheme. Count it alongside any cover you already have.
Example scheme: Life and Health included; Income not included. Illustration, not to scale. Cover may change when employment changes; continuation is not automatic. Whether and what a policy pays depends on its wording, any exclusions and limits, and the insurer's assessment of the claim.
Start with what you already have, then understand what is still needed.
I help you work out what life would need, what you already have, and how the cover should fit together.
Understand your priorities. Explore the gaps and choices. Apply and work through underwriting. Review as life changes.
