Your risk insurance team invercargill
Helping you protect what you've worked hard for. From Income, Mortgage or Life insurance (to name a few), we'll help you understand your options so YOU can make confident decisions to ensure you have a backup plan.
(We do not offer house, car or contents insurance but can refer you to someone that can)The cover that protects what matters most.
Not all cover is the same. Here's a breakdown of the three types of risk insurance we work with, so you know exactly what each one does and which might be right for your situation.
Trauma Cover
A serious diagnosis like cancer, a heart attack or a stroke comes with more than just health challenges. Trauma cover pays you a lump sum so you can take time to recover without the financial pressure of bills piling up.
Mortgage & Income Protection
If illness or injury stops you from working, this cover steps in with regular monthly payments to keep your mortgage paid and your bills covered — so you can focus on getting better, not stressing about money.
Health Insurance
Skip the public waitlist and get fast access to the specialists, tests and treatment you need. Health insurance covers the costs the public system doesn't always pick up, and gets you seen sooner when it matters.
Life Insurance
Life insurance pays a lump sum to the people who matter most if you pass away. It can clear the mortgage, cover everyday living costs, and give your family the financial breathing room to grieve without money being an added worry.
TPD Insurance
Total and permanent disability cover pays out if a serious illness or injury means you can never work again. It gives you a lump sum to help adapt your home, cover ongoing care costs, and take the financial pressure off — so you can focus on living well.
Because life doesn't wait for a convenient time.
Most of us know we should have cover sorted. It just keeps getting pushed down the list. The best time to get insurance in place is before you need it, and we make that conversation easy. No jargon, no pressure — just honest advice about what actually makes sense for your situation.
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We guide you through the process and ensure our advice is tailored to what YOU want. We take everything step by step, at your pace, so you remain in control. This is not a sales pitch; it’s a guided journey that helps you understand your options so you can make the best decisions for your needs.
We make sure you understand the importance of disclosing all health issues upfront, so there are no surprises at claim time.
You also have the convenience of working with one adviser for Lending, Insurance, and KiwiSaver.
We are here for you 24/7 to assist with claims, reviews, and to ensure you understand your policy if you ever need to make a claim.
As an added bonus, we are caring, honest, and upfront, and we will look after you and your family.
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That's exactly what we're here for. We'll take the time to understand your income, your mortgage, your family and your day-to-day costs, then recommend a level of cover that genuinely fits — not more than you need, and not less than you should have.
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We assess your health and situation properly upfront, so your cover is set up correctly from day one. That means when you need to claim, there are no nasty gaps or unexpected exclusions — the cover does what you expected it to.
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Our service is free. We are paid commission by the insurers.
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Life, Income Protection, Mortgage Cover, Trauma, Health Insurance, Total Permanent Disablement
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House, Car and Contents but we can refer you to someone that can help.
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Our process is designed to make insurance easy to understand.
We learn about your situation, discuss risks and goals, recommend suitable solutions and provide ongoing support including reviews and claims assistance.
Frequently Asked Questions
Let us make sure you're covered.
Like to find out more? book at chat or email us what you are interested in.