A life insurance policy pays out a tax-free lump sum if you pass away or are diagnosed with a terminal illness, giving your loved ones the support they need to cover expenses like the mortgage, school fees, or even funeral costs. And if you’re given less than 12 months to live, that payout comes straight to you, so you can spend it on care, family, or that once-in-a-lifetime experience you've been dreaming about.
When it comes to choosing the best life insurance policy for your family, it’s not about picking something off the shelf—it’s about finding life cover that fits your lifestyle, income, and future plans. That’s where I come in. No jargon, no pressure—just clarity and confidence.
Now, let’s talk about options. There are two main types of premiums for life cover:
Rate for Age (stepped premiums), which starts cheaper but goes up over time, and
Level (fixed) life insurance, where premiums stay the same for a set period.
Depending on whether you want upfront savings or long-term predictability, we’ll work out what suits you best. So, how does life insurance work in real life? It’s about giving your family breathing space, keeping their financial life on track when things take an unexpected turn, and making sure the people you love are looked after—whatever the future holds.
Life Insurance is one of those things that’s easy to put off -but it’s actually one of the smartest ways to protect your family financially if something unexpected happens.
Book a meeting with me and let's chat about your options.
LIFE INSURANCE
Private health insurance can dramatically reduce waiting times and it opens doors to private hospitals. It pays for surgeries, hospital stays, diagnostics and scans. In short, it’s there to make sure you can get the care you need, when you need it—without the full financial weight landing on your shoulders.
A good health insurance policy includes Non-Pharmac funded medications that would otherwise cost a fortune and can be life saving. (There are some health insurance policies in New Zealand where there is little to no Non-Pharmac cover, so it is important to have the right type of health cover).
A Key benefits of private health insurance is the freedom and flexibility it gives you to make decisions based on your health — not waitlists or cost.
When it comes to common health insurance claims in NZ, the list includes big-ticket treatments like orthopedic surgeries (especially knees and hips), chemotherapy, colonoscopies, and major heart or spine operations. These are things many Kiwis end up needing at some point. With the right cover in place, you can rest easier knowing that if a health issue pops up, you’re not just stuck in the system—you’ve got a plan.
If you’re ready to explore your options or find the best health insurance policy for your needs, I’d be happy to help make sense of it all, jargon-free.
Health Insurance in gives you faster access to medical care and options that go beyond what the public health system can always provide.
HEALTH INSURANCE
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If you’re diagnosed with a major medical condition like cancer, heart attack, or stroke, trauma cover insurance pays out a tax-free lump sum to use however you need—whether that’s covering treatment, reducing work hours, or simply giving yourself space to recover without stressing over money.
The conditions covered can vary, but most trauma insurance policies in New Zealand include cancer (the most claimed condition), heart-related events, stroke, major organ transplants, and severe burns.
Top-tier policies may cover 40+ medical events, including things like Alzheimer's and paralysis. This makes trauma cover for serious illness a flexible and powerful option—especially when standard health insurance doesn’t stretch far enough. Whether it’s medical costs not covered by Pharmac, home adjustments, income replacement, or clearing debt, that lump sum can be a real lifeline.
So, is trauma insurance worth it? For most people—absolutely. These aren’t rare conditions; they’re common, and they strike when we least expect it. Having trauma cover means you’re not scrambling to cope financially during recovery.
If you're wondering how to claim trauma insurance in NZ or which policy suits your situation, I’m here to guide you through it, jargon-free.
Trauma Cover, also known as critical illness insurance, is designed to support you financially when you suffer a critical illness or serious injury.
TRAUMA COVER
Just reach out—book a free chat or message me, and let’s take the stress out of planning for the unexpected.
What is Mortgage Protection Insurance?
Life has its unexpected moments. If you suddenly couldn’t work due to an accident, illness, or mental health challenge, how would you keep up with your mortgage or rent — not to mention everyday expenses? That’s where Mortgage Protection Insurance comes in. It’s a type of disability insurance that provides you with a tax-free monthly payment if you’re unable to work due to accident, sickness, or mental health issues. This benefit helps cover your mortgage or rent, along with other living costs, so you can focus on recovery without worry.
Mortgage Protection vs. Income Protection — What’s the Difference?
These two types of cover often get confused, and while they’re similar, there are a few key differences:
Mortgage Protection Insurance is always tax-free, with no offsets. That means your payout isn’t reduced if you’re getting other income or benefits like ACC.
Income Protection Insurance, on the other hand, is generally taxable, and payments may be reduced depending on any other income or compensation you receive. Because it’s simpler and more predictable, mortgage protection has become a popular choice.
Want to know if mortgage protection is right for you? Let’s have a chat. I’ll break it down in plain English and help you figure out what works best for your situation — no pressure, no jargon, just good advice.
Mortgage Protection Insurance is a type of disability insurance that provides you with a tax-free monthly payment if you’re unable to work due to accident, sickness, or mental health issues.
MORTGAGE PROTECTION INSURANCE
Get in touch today to get started.
What Is Income Protection Insurance?
Your income is what keeps everything running — your home, your lifestyle, your future plans. So, what would happen if an illness or injury meant you couldn’t work for a while? That’s where Income Protection Insurance steps in. It’s designed to pay you a regular monthly benefit if you’re unable to work due to sickness or disability. This means you can keep paying the bills, support your family, and maintain your lifestyle while you focus on getting better — without the added stress of lost income. With flexible options for how long payments last and how soon they start, you can tailor the cover to suit your needs and budget.
How it works - in simple terms:
Replaces a portion of your income if you can’t work due to illness or injury.
Payments continue until you’re able to return to work, retire, pass away, or reach the end of your policy over cover term– whichever comes first.
There’s a waiting period before payments begin (you can choose how long – a longer wait usually means a lower premium).
Need Help Choosing the Right Cover?
Everyone’s situation is different, so it’s important to get advice that’s tailored to you. I can help you work through the options that suits your life, your work, and your budget.
Let’s chat. No pressure — just clear, honest guidance to help you feel confident about your cover.
Income Protection Insurance pays you a regular monthly benefit if you’re unable to work due to sickness or disability.
INCOME PROTECTION INSURANCE
Get in touch to book a free review or ask any questions.
Life doesn’t always go to plan, and a serious accident or medical diagnosis can leave you unable to continue in your current job—or any role you’re trained or qualified for. That’s where TPD insurance steps in. It provides a lump sum payout to help cover ongoing costs like medical care, home modifications, or simply keeping up with day-to-day living expenses when earning an income is no longer possible.
So, what is total and permanent disability insurance exactly? In simple terms, it’s a financial safety net for worst-case scenarios. Whether it's a severe spinal injury, a chronic illness like advanced MS, or even mental health conditions that prevent consistent employment, TPD insurance ensures you’re not left financially stranded. The payout is yours to use in whatever way makes the most sense for your situation.
Common TPD insurance claims in New Zealand include musculoskeletal disorders, strokes, progressive neurological diseases like Parkinson’s that prevent long-term employment.
One key thing to be aware of? The definition of "total and permanent disability" can vary. Some policies refer to your “own occupation,” while others use the broader “any occupation” definition—so it’s important to compare options carefully.
Total and Permanent Disability (TPD) Insurance is designed to protect your income and lifestyle if you’re permanently unable to work due to illness or injury.
Total & Permanent Disability Insurance (TPD)
Book a free, no-pressure chat with me and let’s talk about what definition works best for you.
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I’m Diana McIntyre, your trusted insurance adviser, and I’m here to help you sort through your options with zero overwhelm. Book a free, no-pressure chat with me and let’s talk about what life insurance can do for your future—and your peace of mind.
Life + BIZ insurance
I’m Diana McIntyre, your trusted insurance adviser, and I’m here to help you sort through your options with zero overwhelm. Book a free, no-pressure chat with me and let’s talk about what life insurance can do for your future—and your peace of mind.
BOOK A MEETING
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