Advice is a journey.

I'm Marcus Longone. The Insurance Guy.

Licensed financial adviser, FSP 106925, through The Insurance Guy Ltd, FSP 729371 — 021 544 641 · marcus@theinsuranceguy.nz.

No direct adviser fee. If cover is placed, the insurer pays commission — and I'll always show you how that works. Disputes: Insurance & Financial Services Ombudsman (IFSO).

Disclosure information · Verify both licences on the Financial Service Providers Register.

Work can stop before life does.

The government safety net is built for accidents. When you are sick or ill, it largely isn't there — and each step down is a gap a specific cover exists to hold.

1. 01 · If you get sick

   You need treatment

   ACC is built for accidents. Illness means the public queue — and the queue is long.

   Health insurance
2. 02 · It gets worse

   You cannot work

   No wage arrives for illness. The bills keep their schedule; your income doesn't.

   Income protection
3. 03 · The hard news

   A serious diagnosis lands

   Recovery, travel, debt and time all draw on money at once.

   Trauma
4. 04 · It doesn't improve

   You may never work again

   Decades of income can vanish. The safety net was never built to replace them.

   TPD
5. 05 · The worst

   The worst happens

   The mortgage and the years ahead remain for the family.

   Life

The safety net is built for accidents. Illness is the gap.

Straight up: claims are decided by the insurer under the policy wording — not by me, not by any adviser. Income protection can pay month by month while you can't work; TPD is a different kind of cover, generally paid as a lump sum.

The advice journey

1. Meet

   A conversation about where you are.

2. Make sense

   Cover explained in plain terms, matched to your life.

3. Evolve

   Reviewed and reshaped as your life changes.

The full six-stage process lives in Working Together.

Insurers we work with

• AIA
• Asteron Life
• Chubb Life
• Fidelity Life
• nib
• Partners Life
• Southern Cross

Every exit is a road we can take — compared against your situation, scope, and underwriting reality.

We take our clients' privacy seriously.

Our privacy policy — how your information is collected, used and protected.

We built our own system for this.

Compared across providers. Tested against the what-ifs.

It moves when your life does.

Insurance, demystified.

What I advise on: Life, Health, Trauma, Income protection, Total and permanent disablement (TPD), Business, and Group insurance.

• Life
• Health
• Trauma
• Income protection
• Total and permanent disablement (TPD)
• Business
• Group insurance

Advice does not include house, contents, car, travel, pet or commercial property insurance, investments, legal advice, estate planning or tax advice.