Insurance Advice NZ helps individuals, families, and businesses protect themselves from the financial impact of unexpected events.
At Mortgage and Insurance New Zealand Limited, we focus on providing clear and practical advice on personal risk insurance and business risk insurance, helping clients understand their options and choose cover that fits their situation.
Insurance can provide financial support if illness, injury, or death affects your ability to earn income or operate your business.
Insurance Advice NZ for Personal Protection
Personal insurance helps protect individuals and families if illness or injury affects income or financial stability.
Common types of personal cover include:
- Life Insurance
- Trauma Insurance
- Total and Permanent Disability (TPD)
- Income Protection / Monthly Disability
- Specific Injury Cover
- Private Medical Insurance
These policies can provide financial support and help protect commitments such as mortgages, household costs, and family living expenses.
Learn more about Personal Insurance
Insurance Advice NZ for Business Protection
Business insurance focuses on protecting the financial stability of a business if key people become unable to work due to illness, injury, or death.
Common types of business cover include:
- Key Person Insurance
- Business Continuity Cover
- Business Expenses Cover
- Start-Up Business Protection
- Rural Business Cover
- Business Life, Trauma and TPD
These policies help businesses manage disruption and maintain financial stability if unexpected events occur.
Learn more about Business Insurance
Fire and General Insurance
Fire and general insurance covers physical assets such as homes, buildings, vehicles, and business equipment.
While our primary focus is mortgage advice and risk insurance, we work with trusted Fire and General insurers and can refer clients to the right provider when this type of cover is required.
This helps ensure clients receive appropriate protection for their property and assets alongside their personal or business insurance arrangements.
Understanding Your Insurance Options
Insurance needs are different for everyone. The right cover depends on factors such as family circumstances, financial commitments, and business structure.
If you would like to understand which insurance options may be suitable for you or your business, we are happy to have a conversation and explain your choices.
Contact us to discuss your situation.
For general information about insurance and consumer rights in New Zealand, you can visit the Insurance & Financial Services Ombudsman Scheme.