Services · Insurance & KiwiSaver advice
Cover that protects you now — and stays affordable later.
We review the insurance you already have, compare premiums across leading New Zealand providers, and structure your cover so it doesn't become unaffordable as you get older.
Cover we offer
Protection for you, your family and your business
Every plan is built around your immediate, intermediate and long-term needs — often mixing levelled and stepped cover.
Life insurance
Financial security for your loved ones when you die, sized to your mortgage and dependents.
Levelled + stepped optionsTrauma & disability
A lump sum if you're diagnosed with a covered condition — most insurers cover at least 45 — so you can focus on recovery.
Mark's own claimIncome & mortgage protection
A replacement monthly income if sickness stops you working, so your major bills stay covered.
Business & general
Key person, director's life and trauma cover, structured around your own business requirements.
ACC levy advice
For the self-employed: whether ACC CoverPlus Extra is giving you the best all-round cover for what you pay.
Self-employedMedical insurance
Options from specialist-only to full cover including GP visits, with a choice of excess.
Can't be levelled — rises with ageKiwiSaver reviews
Simple changes to how your fund is structured, matched to your risk profile, can make a real difference — without paying in any more.
With KymOur specialty
Why we level your premiums
We all know people who cut their insurance when the premiums climbed too high — often at the age they needed it most. Levelling is how we stop that happening to you.
Stepped
Recalculated as you age. Starts lower, then keeps rising — often steeply later in life.
Levelled
Locked in at today's rates. Costs a little more now, then stays sustainable for the long term.
How it works
Three simple steps to cover you can keep
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1
Before we meet
Tell us roughly what cover you have and your date of birth. We project what your premiums are likely to rise to over the next 5, 10, 15 and 20 years.
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2
Your first meeting
At your home, workplace or wherever suits. We talk through your family, work and main risks, walk through the projections and explain stepped vs levelled premiums.
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3
Your Statement of Advice
We compare premiums across providers and give you a written recommendation with quotes. When you're happy with the structure, we take care of the application.
Personal & business
Every type of cover, in one place
Personal insurance
For individuals, couples and families
Business insurance
For small to medium businesses and the self-employed
“Mark clearly showed the exponential increase in premiums that would have meant reducing my cover … As an alternative, Mark showed the result of levelling my premium to fix my cover for life. A small cost increase now but then fixed for life.”
Insurance & KiwiSaver providers we compare
Get in touch
Find out what you could save
Book a free, obligation-free review with Mark or Kym. We'll come back to you within 2 working days.