Answers, before you even have to ask

We provide independent insurance advice — life, trauma, health, income protection, mortgage protection, TPD, travel, and Parent Boost cover — matched to your personal or business situation.

Yes. Your first consultation is free and comes with no obligation to proceed.

Yes — we advise small and mid-sized New Zealand business owners on key-person and shareholder protection alongside personal cover.

Use the Book a consultation button in the header, or fill in the contact form and we’ll reach out to schedule a time.

Nothing is required — just a general sense of your situation. We’ll ask about your family, debts, income, and goals during the conversation itself.

It varies by product and underwriting, but many clients are covered within two to four weeks of a first conversation.

We calculate a figure based on your debt, dependants, income, and goals — then explain the reasoning so you understand and agree with the number, not just accept it.

You contact us directly and Navroop manages the claims process alongside you and the insurer — you’re not left to navigate it alone.

Yes — cover can generally be adjusted as your circumstances change, and we proactively review policies with clients over time.

No — adviser commission is generally built into the insurer’s pricing either way, so using independent advice typically costs you nothing extra while ensuring the cover actually fits.

Yes, most policies have premiums that can adjust with age, inflation, or claims experience — we explain how your specific policy is structured before you commit.