Protect what matters most — the people who depend on you.
Life can change without warning. Illness, injury, or loss of income can place enormous pressure on a family’s finances. With over 30 years of experience, we help Kiwi families build insurance protection designed to stand up when it matters most — at claim time.
See exactly what's included in our Financial Protection Review. These documents show how we analyse your existing cover, identify potential risks, and help ensure your protection will actually support you and your family when it matters most.
The Common Issues With Insurance These Days
Most people think they’re protected — until they aren’t.
- Policies that don’t cover real risks
- Pre-existing conditions that invalidate claims
- Insurance that hasn’t been reviewed in years
Helping Clients Since 1990
Experience you can rely on when it matters most
30+ Years of Industry Experience
Decades of experience helping Kiwi individuals and families structure insurance protection with confidence.
Claims Advocacy
If you ever need to make a claim, we will assist you through the entire process from beginning to end. We never leave our clients hanging
Evidence-Based Advice
Our recommendations are based on experience, industry knowledge, and what will genuinely protect you at claim time.
Annual Protection Reviews
Life changes — and your insurance should too. We regularly review your protection to ensure it continues to meet your needs.
Independent Financial Advice
As an independent provider, our advice is focused on finding solutions that suit your circumstances, not our commission
Insurance That Navigates With Life Stages
Financial advice for the moments that change everything
Young professionals
Protecting your income before life gets complicated.
Couples
Building a financial safety net together from the start.
Young families
Ensuring your family's future if you can't provide.
Business owners
Protecting the people and income your business depends on.
Established families
Reviewing and updating protection as your wealth grows.
Real Claim Stories
Hundreds of claims handled over 30+ years
"I never thought I'd need it at 28. A cycling accident put me out of work for 7 months. My income protection covered my rent, my car, everything. I highly recommend Eugene.
Tyler Gunbo
Income Protection Claim
"When I was diagnosed with cancer, the last thing I wanted to worry about was money. My trauma policy paid out within weeks. That money gave me the space to just focus on getting better."
Aisha Shelma
Trauma Cover Claim
"After my husband passed suddenly, I didn't know where to start. Network Financial had structured our cover so well and the claim process was straightforward. It gave our family a safety net."
Sarah Miller
Life Insurance Claim
"The insurer declined the claim outright. Eugene stepped in, challenged their decision with the right evidence, and got it paid in full. I wouldn't have known where to begin on my own."
Walter White
Disputed Claim Resolved
Learn How Insurance Really Works
Understand how different types of cover work, what they protect, and how to choose the right protection for your situation.
- Life
- Health
- Income Protection
- Mortgage & Rent
- Trauma/Critical Illness
- TPD
- Specific Injury
Life Insurance
Life insurance is a contract between you and an insurer where you pay regular premiums in exchange for a guaranteed, tax-free, lump-sum payment to beneficiaries upon your death. It provides essential financial security to replace lost income, cover debts, funeral expenses, and support dependents.
How much life cover do I actually need for my family?
The right amount depends on your financial responsibilities—such as mortgage debt, living costs, children’s education, and income replacement for your family. A common approach is to ensure your debts are cleared and your family can maintain their lifestyle for a number of years.
Will my premiums increase with age, or can they stay level?
You typically have the choice between stepped premiums (increase each year) or level premiums (fixed for a period or to a certain age). Level premiums are often more stable long-term, while stepped premiums are cheaper initially.
Does the policy pay out immediately after death, or can there be delays? Can the money be used for funeral costs?
Once all claim requirements are met, payouts are generally made quickly—usually within days to weeks. The funds are paid as a lump sum and can absolutely be used for funeral expenses or any other immediate needs.
Are pre-existing or historical medical conditions excluded?
In some cases, yes. Insurers assess your medical history at application and may apply exclusions orptrmium loadings. Full disclosure is critical to ensure your claim is valid.
What optional add-ons are worthwhile?
Common options include trauma cover, total and permanent disability (TPD), and premium waiver benefits. The right add-ons depend on your financial risks and priorities.
Health Insurance
Health insurance helps provide faster access to private healthcare, specialist consultations, diagnostic scans, and treatment optionsFor many people, the biggest benefit isn’t just financial support — it’s reducing uncertainty, avoiding long wait times, and getting the help you need sooner.
What exactly is covered — specialists, scans, surgeries?
Most comprehensive plans cover specialist consultations, diagnostic tests (such as MRIs and CT scans), and surgical procedures. The level of cover varies depending on the policy.
Do I need pre-approval for procedures?
Yes—most insurers require pre-approval (also called prior approval) before non-urgent treatments to confirm they are covered and avoid unexpected costs.
Are pre-existing conditions covered, and if so, after how long?
Pre-existing conditions are typically excluded, but some policies may cover them after a stand-down period or under specific terms.
Does the plan include dental, optical, or mental health?
These are often optional add-ons rather than standard inclusions. Some higher-tier plans offer limited cover for these services.
How do excesses work, and do they lower my premiums?
An excess is the amount you pay toward a claim. Choosing a higher excess generally reduces your premiums, making cover more affordable.
Income Protection
For most people, their income supports everything around them — mortgage repayments, rent, bills, savings, and everyday living.Income protection insurance helps replace a portion of your income if illness or injury prevents you from working.
How long is the waiting period before payments start?
Waiting periods usually range from 2 weeks to 13 weeks (or longer). A longer waiting period reduces premiums but means you need savings to cover that initial time.
What percentage of my income will I receive — 40%, 75%, or different?
Most policies cover between 45% and 75% of your income, depending on the product and underwriting.
What’s the difference between Agreed Value and Indemnity/Default Value?
Agreed Value: Benefit is based on income agreed at application (certainty at claim time)
Indemnity: Benefit is based on your income at the time of claim
For how long will benefits be paid — 2 years, 5 years, to age 65/70?
You can choose benefit periods such as 2 years, 5 years, or to age 65 or 70 depending on your needs and budget.
Will the insurer still pay if I can work part-time or light duties only?
Yes—most policies include partial disability benefits, meaning you can receive a reduced payment if your income drops due to illness or injury.
Mortgage & Rent
Mortgage and rent cover is designed to help support your housing-related financial commitments if illness or injury temporarily prevents you from working.
Will it cover my full mortgage/rent or only a set monthly limit?
Cover is usually based on a set monthly amount you choose, up to policy limits. It should ideally match your actual housing costs.
What happens if interest rates change — is the cover still enough?
Your cover does not automatically adjust, so it’s important to review your policy regularly to ensure it remains sufficient.
Can I claim if I’m only partially disabled or working limited hours?
Yes—many modern policies provide partial payouts for less severe diagnoses.
Does it pay directly to me or to the bank/landlord?
It pays directly to you and you can do with the income as you see fit giving flexibility on how you manage payments.
How long does the benefit last — how many months or until recovery?
You can choose benefit periods such as 2 years, 5 years, or to age 65 or 70 depending on your needs and budget or until recovery
Trauma/Critical Illness
Trauma insurance provides a lump sum payment if you’re diagnosed with a serious condition such as cancer, heart attack, or stroke.It’s designed to provide financial breathing space during recovery and help reduce pressure during difficult times.
Which conditions are actually covered and what definitions apply?
Policies cover serious medical conditions such as cancer, heart attack, stroke, and others, based on medical definitions.
Does early-stage cancer or heart disease qualify for a payout?
Some policies include partial payments for early-stage conditions, depending on definitions.
Is partial payment available for less severe diagnoses?
Yes—many modern policies provide partial payouts for less severe diagnoses.
Can I claim more than once (multiple trauma)?
Some policies offer multi-claim or reinstatement features, allowing multiple claims over time.
How does trauma interact with life cover and Income Protection Insurance?
Trauma pays a lump sum on diagnosis, while life insurance pays on death and income protection provides ongoing income—each serves a different purpose.
TPD
Total and Permanent Disability insurance is designed to provide financial support if illness or injury permanently prevents you from returning to work.
What exactly counts as “Total and Permanent Disability”?
TPD generally means you are permanently unable to work again due to illness or injury.
What is the difference between “Own Occupation” and “Any Occupation” TPD?
Own Occupation: Based on your ability to do your specific job
Any Occupation: Based on ability to do any job suited to your experience and training
Will I still be covered if my disability is caused by illness rather than an accident?
Both illness and injury can qualify, provided they meet policy definitions.
How much TPD cover do I actually need?
Typically enough to repay debt, provide long-term income support, and fund lifestyle adjustments.
What exclusions or limitations should I be aware of?
Pre-existing conditions, hazardous activities, and some medical conditions may be excluded.
Specific Injury
Specific injury cover provides a lump sum payment for certain defined injuries.This type of cover is often relevant for people working in trades, transport, construction, logistics, physically demanding industries, or active lifestyles where injury risks may be higher.
What is Specific Injury Cover and how is it different from an ACC benefit?
ACC covers treatment and basic income support. Specific Injury Cover provides an additional lump sum for financial flexibility.
What types of injuries are covered under a Specific Injury benefit?
It provides a lump-sum payment for specific injuries (e.g. loss of limb, severe burns), regardless of your ability to work.
Does Specific Injury Cover pay out in addition to TPD or Trauma cover?
Yes—this cover typically sits alongside trauma or TPD.
Is the payout a lump sum and how can it be used?
The lump sum can be used for medical costs, rehabilitation, or lifestyle adjustments.
Are there exclusions or waiting periods I should be aware of?
Yes—each policy defines covered injuries and may include exclusions.
Meet the Adviser
Advice you can trust, people you can rely on.
Eugene
Director
Marna
Financial Advisor Specialist
Insurance Protection Check
Are you financially protected if life changes unexpectedly?
Answer 5 quick questions to see whether your current cover may have gaps.
Find out if you are really covered
We'll review your existing cover, identify any gaps, and give you honest, independent advice — with no obligation and no pressure.
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