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 income protection actually works
Income protection replaces a portion of your income — typically up to 75% — if you're unable to work due to illness or injury. ACC only covers accidents, not illness, which is where most people have a dangerous gap in their protection.
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Health 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 income protection actually works
Income protection replaces a portion of your income — typically up to 75% — if you're unable to work due to illness or injury. ACC only covers accidents, not illness, which is where most people have a dangerous gap in their protection.
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Income Protection
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 income protection actually works
Income protection replaces a portion of your income — typically up to 75% — if you're unable to work due to illness or injury. ACC only covers accidents, not illness, which is where most people have a dangerous gap in their protection.
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Mortgage & Rent
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 income protection actually works
Income protection replaces a portion of your income — typically up to 75% — if you're unable to work due to illness or injury. ACC only covers accidents, not illness, which is where most people have a dangerous gap in their protection.
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Trauma/Critical Illness
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 income protection actually works
Income protection replaces a portion of your income — typically up to 75% — if you're unable to work due to illness or injury. ACC only covers accidents, not illness, which is where most people have a dangerous gap in their protection.
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TPD
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 income protection actually works
Income protection replaces a portion of your income — typically up to 75% — if you're unable to work due to illness or injury. ACC only covers accidents, not illness, which is where most people have a dangerous gap in their protection.
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Specific Injury
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 income protection actually works
Income protection replaces a portion of your income — typically up to 75% — if you're unable to work due to illness or injury. ACC only covers accidents, not illness, which is where most people have a dangerous gap in their protection.
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Meet the Adviser
Advice you can trust, people you can rely on.
Eugene
Director
Marna
Financial Advisor Specialist
Adviser name
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.
Talk to us