Protect your family.your income.your health.your future.
We've got you covered. Health, life, income protection and trauma cover — compared across New Zealand's major insurers by an adviser who keeps it working as your life changes.
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Find the right cover in 60 seconds.
Answer three quick questions and Kyle will come back with a free, personal review — compared across New Zealand's major insurers.
- Free, no-obligation assessment
- Compared across 5 major insurers
- A real adviser, not a call centre
- Pre-existing conditions? Ask us
Protection for every part of life.
Whether you're protecting your family, your income or your health, we'll find the best-fit solution for your personal or business needs.
Most importantLife Insurance
A lump sum to protect the loved ones you leave behind — clear the mortgage, keep the kids' plans on track.
Skip the waitlistHealth Insurance
Private treatment for illness or injury — including options for pre-existing conditions.
ACC won't cover illnessIncome Protection
A monthly income while you can't work — so the mortgage gets paid while you get better.
Trauma
A lump sum on diagnosis of cancer, heart attack or stroke.
Pre-existing conditions
Been told no before? You may still have options.
Business protection
Key person, shareholder and debt cover for owners.
Life doesn't send a warning. Here's what would pay.
Pick a moment. See exactly which cover steps in — and where the gaps usually are.
A diagnosis changes everything overnight.
Treatment, time off work, a partner who wants to be by your side. With the right cover, money becomes the one thing you don't have to think about.
Six months without a pay cheque.
ACC only covers accidents — not illness like heart attack, cancer or depression. Without income protection, most people burn through savings, then borrow.
Waiting in pain — or being seen this month.
The public system prioritises urgent care. For everything else, you could wait months for a specialist, let alone surgery. Health insurance gets you seen.
Making sure they're okay without you.
The mortgage, the bills, the kids' future — and costs nobody plans for. Life cover means grief doesn't come with a financial crisis attached.
Are you paying too much?
Insurers compete hard for new business — but rarely reward loyalty. Slide to your current monthly premium and see what our example review's saving would mean for you.
Check my real savingIllustration only, based on the 26% saving in one real client review. Your result depends on your age, health, occupation and cover — many clients choose more cover instead of a lower premium. This isn't a quote.
Lower premiums. More cover.
One client's existing policies — and what they had after we compared the market. Trauma cover added where there was none.
Illustrative client example. Your premiums depend on your age, health, occupation and the cover you choose.
Simple, personal,
and free to start.
Free assessment
Answer a few quick questions or call. We'll arrange a time that suits you.
Review what you have
We look at your existing policies — what they cover, what they cost, and where the gaps are.
Compare the market
We compare options across the major insurers and recommend the best fit for you.
Stay covered
We keep your cover in step with your life — and help you if you ever need to claim.
Kyle Arnesen
Director & Financial Adviser · FSP 279665
Advice from a person,
not a call centre.
Most insurance gets tucked away in a drawer and forgotten. Kyle's job is to make sure yours doesn't — keeping it in step with your life, personally and professionally.
Insights & ideas
Insurance companies would love to ban this post
Life insurers are competing like never before — which means rates are going down. Here's why now is the time to check you're not paying too much.
Read article →
Are you sick of increasing insurance premiums?
How much was your last premium increase? With most providers, it's only going to get worse — but it doesn't have to.
Read article →
Have you secured your property's capital gains?
Your home has likely grown in value because you kept up your mortgage payments. How long would that equity last without an income?
Read article →We've got answers
Still wondering about something? Ask Kyle directly — no question is too small.
Does it cost anything to get advice?
Your first assessment is free. In most cases we're paid by commission from the insurer you choose, so there's no direct fee to you. If planning or consultation work needs a fee, we'll agree it with you in writing before we start.
Which insurers do you work with?
For life, trauma, income protection and TPD cover we work with Asteron Life, Partners Life, Fidelity Life and AIA. For health insurance we work with Partners Life, AIA and nib.
I already have insurance. Can you still help?
Yes — that's where most of our clients start. We review your existing policies, compare them across insurers and only recommend a change if it genuinely improves your cover or your premium.
What happens after I take out a policy?
We stay with you. Most insurance gets filed away and forgotten; our job is to keep your cover in step with your life — new home, new baby, new business — with regular reviews.
Your family's future deserves a second look.
Book a free review today. It takes 60 seconds to start — and could save you money, or get you far better cover for the same price.