Free, no-obligation advice for Kiwis
One moment of bad luck shouldn't ruin your family.
Every day, Kiwis lose jobs, face illness, or worse. Without the right insurance, your family faces financial ruin. In just 5 minutes, get personalised cover options built for your life.
- 3-5 minutes
- No credit card needed
- Free quotes from top NZ insurers
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Sarah M.Β Β
Auckland, mother of 2
“I got the call at 2am that my husband had collapsed. Thank God for life cover – it paid out instantly. No mortgage stress while I grieved.”
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James K.
Wellington, self-employed
“Broke my leg on a jobsite. ACC only paid part of it. Income protection covered the gap and my business didn’t fold.”Β
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Aroha P.
Christchurch, age 28
“Got diagnosed with cancer. My health cover meant surgery within a week, not 6 months. Changed my survival odds.”Β
The 6 Pillars of Financial Security
Most Kiwis are missing at least one. Find out which gaps could bankrupt your family.
Health Insurance
Private care, no waiting lists
The problem: Public waiting lists can be 6-8 months for specialists. Meanwhile, your condition worsens.
- Skip the waitlist: See a specialist within days, not months
- Choose your hospital: Private facilities, single rooms, better care
- Cancer covered: Surgery, chemo, radiation - all included
- Mental health crisis: Immediate counseling & therapy access
Real Kiwi Story
“Diagnosed with breast cancer. Public wait was 8 weeks. Health cover got me surgery within 5 days. That timing mattered.” – Claire, 52
Life Insurance
Your family’s financial future
The problem: If you die today, your family loses your income forever. Most Kiwis have zero life cover.
- Tax-free lump sum: Your family gets the full amount (no tax)
- Pay off the mortgage: Your family keeps the home
- Replace lost income: Kids stay in school, life continues
- Lock in rates now: Premiums increase with age - act now
Real Kiwi Story
“My husband died at 38. Life cover paid out $800k. We didn’t lose the house, the kids stayed in their school. Changed everything.” – Sarah, 41
Mortgage Protection
Keep your whare in the family
The problem: Median NZ home costs $700k. Without cover, your family may have to sell under pressure.
- Mortgage repayment paid: When unable to work due to illness or injury
- Serious illness rider: Also covers cancer, heart attack, stroke
- Rent stability: Covers rent payments during tough times
- Peace of mind: Bridge the financial gap during periods of illness or injury thereby reducing stress and debt
Real Kiwi Story
“Diagnosed with a brain tumour. Mortgage cover helped with our repayments (sum insured). My family wasn’t homeless AND I recovered.” – Marcus, 51
Income Protection
Salary replacement when injured/ill
The problem: ACC only covers workplace accidents (80% of salary). Illness? Nothing. One injury can bankrupt you.
- Covers illness & injury: Not just workplace accidents
- Up to 75% salary: Enough to cover bills, mortgage, food
- Pays until recovery: Could pay for months or years if needed
- Tax-deductible: Self-employed? Premiums reduce your tax bill
Real Kiwi Story
“Slipped on ice, shattered leg. ACC only paid $2,500/month. Income protection covered the gap. My family ate. My business survived.”- James, 39
Trauma Cover
A lump sum when life stops you in your tracksΒ
The problem: You survive a heart attack or cancer diagnosis – but months off work and medical costs wipe out your savings while you fight to recover.
- Tax-free lump sum: Your family gets the full amount (no tax)
- Pay off the mortgage: Your family keeps the home
- Replace lost income: Kids stay in school, life continues
- Lock in rates now: Premiums increase with age - act now
Real Kiwi Story
“My husband died at 38. Trauma cover paid out $500k. We didn’t lose the house, the kids stayed in their school. Changed everything.” – Sarah, 41
Parent Boost Visa Insurance
Healthcare cover for parents living in NZ
The problem: Parents on a Parent Boost or Visitor visa are excluded from public healthcare. A single hospital visit may cost $50,000+. No cover means your family pays every cent.
- Works on temporary & resident visas: Covers parents who aren't yet permanent residents
- Hospital, surgery & specialists: Full private hospital access in NZ
- Emergency treatment covered: No nasty surprises if they fall ill
- Your family stays whole: No forced deportation due to medical costs
Real Kiwi Story
“My mum came over from India on a Parent Boost visa. She had a fall – broken hip surgery was quoted at $62,000. Our insurance covered everything. I can’t imagine the alternative.” – Priya, 38
Did you know?
NZ immigration requires evidence of adequate healthcare for Parent Boost visa applications. The right policy satisfies this requirement automatically. We can help.
Are YOU missing coverage?
Most Kiwis have 1-2 of these pillars. The gaps? That’s where financial disaster happens. In 90 seconds, find out exactly what you need.
Trusted by Kiwis
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Paula & Josh Wright
Auckland
Advisenow made buying our first home in Auckland feel actually achievable. Pamela walked us through KiwiSaver withdrawal and we got the First Home Grant sorted too. We settled in 28 days. Already recommended to three friends.
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Aroha Ngata
Wellington
After getting knocked back by ANZ and Westpac, Advisenow found us a non-bank lender that worked perfectly for our situation. Pre-approved the next day. Our repayments are $290 less per fortnight than we expected. Stoked.
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Shivani & Kumar Patel
Christchurch
We are new to NZ and had no idea how the home loan process worked here. Pamela explained LVR rules, KiwiSaver, and fixed vs floating in plain English – no jargon. We are now in our own home in Rolleston. Absolutely brilliant service.
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Mike Allan
Hamilton
Used Advisenow for my second investment property. They structured the loan across two banks to maximise my tax position and keep my LVR compliant. Pamela knows property investing inside out. Settlement went perfectly smooth.
Licensed Financial Adviser supporting Kiwis across New Zealand to secure the right home loan and protect their future with tailored insurance solutions.
- 028 8520 0500
- +642885200500
- support@advisenow.co.nz
- Level 8/139 Quay Street, Auckland CBD, 1010
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Zigi Financial Services Limited (Owners of Advisenow) | FSP Registration No. FSP1007853 | Financial Advice Provider licensed under the Financial Markets Conduct Act 2013. We are members of the Kiwi Advisers Network (KAN). Our advisers are registered on the Financial Service Providers Register (FSPR). This website contains general information only and does not constitute personalised financial advice. Lending criteria, terms, conditions, and fees apply. Interest rates are subject to change. All figures are in New Zealand dollars (NZD). Credit subject to assessment.
