Protect the life you're building
Your income, your home, your lifestyle and the people who matter most all deserve a plan for the unexpected.
You've worked hard to build your life. Make sure it can keep going.
Your income powers your mortgage, lifestyle, savings and future goals. If illness, injury or an unexpected event affects your ability to earn, the financial impact can extend far beyond your income.
We help you understand what you need to protect, how much cover is appropriate, and how your insurance fits into your wider financial strategy - without breaking the bank.
Protect what you've built. Keep building what comes next.
Growing Responsibilities
01 — Starting Out
Protect the foundations you're building.
New home, new debt, growing income. Make sure your ability to earn is protected.
02 — Wealth Accumulation
Protect your progress.
As your assets grow and responsibilities change, make sure your cover keeps pace.
03 — Financial Freedom
Protect the freedom you've built.
As your assets grow and debt reduces, your protection needs can change too.
Your insurance shouldn't be set and forget.
You might have insurance in place, but do you know:
- How much cover you actually need?
- Whether your cover still reflects your income and debts
- What would happen to your mortgage if you couldn't work?
- Whether your existing assets could reduce your insurance needs?
- Whether you're paying for more cover than you need?
Your life changes. Your Investments Grow. Your insurance should change with it.
What our Insurance Advice Covers
We don't start with a policy. We start with your life, your responsibilities and what you're building.
Understand
Start with your position. We look at your income, debts, assets, family and goals to understand what needs protecting.
Model
See what happens if life changes. We assess how illness, injury or death could affect your income, mortgage, lifestyle and financial goals.
Match
Build the right protection strategy. We match your needs with the right types and levels of cover, while considering the assets you've already built, including KiwiSaver, investments and property.
Protect & Evolve
Keep your strategy working for you. As your assets, debt, income and responsibilities change, your protection needs can change too. We review your strategy over time and adjust it as your life evolves.
Your insurance is part of a bigger financial strategy
Your income, property, KiwiSaver, investments and insurance all play a role in building and protecting your financial future. We look at these pieces together, rather than treating insurance as a standalone product.
Make your money work together
Insurance doesn't have to be considered in isolation.
When determining your protection needs, we consider the KiwiSaver, investments and other assets you've already built. Where appropriate, this may mean you need less Life Cover than you otherwise would.
And that's where strategy matters.
If your protection needs can be met with less Life Cover, you may be able to reduce the premiums you're paying.
Rather than simply letting that money disappear into your everyday spending, we can look at whether those potential savings could be redirected towards:
BUILDING KIWISAVER
GROWING INVESTMENTS
REDUCING DEBT
Protect what you've built. Keep building what comes next.
“Great advice and help. Very professional and explained everything clearly. Answered all questions I had and made sound advice for me to move forward. Once I make the decision I will be contacting them to help with finances”
— Michelle .Mackay
“Thank you very much in helping us sort our mortgage quick and easy. We highly appreciate the prompt responses and constant communication of Anna and her team that enabled us achieve our goal in refinancing our home loan. Great service and highly recommendable!”
— Gene p
“Amazing service provided by the MHQ team. Dealt with Simon regarding refinancing our existing mortgage. All went extremely smooth and got the best of best offer available in the market during our application process. The advice we received was genuine and 100% aligned to our goals and future expectations. Would highly recommend signing up with MHQ if someone need mortgage/financial advice as the team is very experienced and have competitive approach.”
— Rohit Saini
“Hari was an absolute legend! He is always accurate, well-organised, prompt, and caring, and he makes sure to consider my needs based on my circumstances. He was always there whenever I had questions. Without his support, I wouldn’t have been able to achieve this goal so quickly. I feel honoured to have worked with him.”
— Yasuko Okamura
“Massive props to Frankie and Alejandro for sorting out my refinancing. Gave some excellent advice on the new structure. And when the bank came out with their 1.5% cashback offer they fought really hard to get it – needed bank manager approval and documents reissued – but definitely worth it. I can’t recommend these guys enough.”
— Edmund Yeung
“Jason and his team were absolutely brilliant to work with. They made the whole refinancing process and buying an investment property super easy and stress-free. Always friendly, approachable, and quick to reply whenever we had questions. They really went the extra mile to find us a great deal and kept us updated every step of the way. We’re so grateful for all their help and couldn’t recommend them highly enough — we’ll definitely be back next time!”
— Noela Dugu
Protect the life you're building.
Your income, home, family and financial future deserve a plan for the unexpected.
Insurance FAQs
How often should I review my insurance?
Think of insurance as something that moves with your financial journey, not something you set once and forget. A review makes sense when you buy a home, take on more debt, change income, start a family, enter a relationship, separate, grow a business or build meaningful assets. Even without a major event, a regular check helps make sure you're neither underinsured nor paying to protect risks you can now carry yourself.
Can insurance become unnecessary as I build wealth?
Absolutely, and that's an important part of our philosophy. Insurance transfers financial risk that you aren't yet comfortable carrying yourself. As debt reduces and investments and liquid assets grow, you may be able to retain more of that risk yourself. That can mean reducing certain cover and redirecting premiums toward debt reduction or investment growth.
Should I get insurance while I'm young and healthy?
There can be advantages. Insurance is generally influenced by factors such as age, health, occupation, lifestyle and the amount of cover requested. Getting protection in place before your circumstances or health change can make future insurability less of a concern. But the right time and amount still depends on your individual needs.
Can you compare different insurance companies for me?
Yes, where those providers sit within the specialist adviser's approved advice panel. The important comparison isn't simply premium versus premium. Policy definitions, exclusions, benefits, underwriting outcomes and how the cover fits your overall protection strategy all matter.
Will my medical history stop me from getting insurance?
Not necessarily. Your health history may affect the terms offered, resulting in standard cover, an exclusion, an additional premium, modified terms or, in some cases, cover not being available. The adviser helps you navigate this process before deciding what's appropriate.
What does Disability Insurance actually protect?
Disability-related cover is designed to protect you financially when illness or injury significantly affects your ability to work or live independently. Depending on the type of policy, it might provide a lump sum or ongoing income. The definitions matter, which is why comparing policies on price alone can be misleading.
Isn't ACC enough in New Zealand?
ACC plays an important role, but it primarily covers injuries and accidents. It does not provide the same protection for illnesses, which are also a major reason someone may be unable to work. Personal insurance can help address the gaps that ACC does not cover.
What is Income Protection and who needs it?
Income Protection can provide a regular payment if illness or injury prevents you from working and you meet the policy criteria. It's particularly relevant when your lifestyle, mortgage or family depends heavily on your ability to keep earning.
I already have insurance. Do I still need advice?
Possibly even more than someone starting from scratch. Existing policies can become disconnected from your life as mortgages reduce, salaries increase, families change and wealth grows. A review helps identify gaps, duplication and cover you may no longer need.
What's the difference between Life Insurance and Health Insurance?
Life Insurance generally pays a lump sum if you die or, depending on the policy, are diagnosed as terminally ill. Health Insurance is designed to help fund eligible medical treatment and give you greater choice and access to private healthcare. They solve very different financial problems.
What types of personal insurance can you help with?
The core areas are Life Insurance, Health Insurance, Income Protection and Disability or Total and Permanent Disability cover. Depending on your situation, the advice process may also consider trauma or critical illness cover and other forms of personal protection.
How much insurance do I actually need?
There isn't a magic number. We look at your debt, income, family responsibilities, existing assets, investments and future plans to work out what would create a genuine financial gap if something happened. The goal isn't maximum insurance. It's the right amount of protection.
If the insurance advice is free, how does the adviser get paid?
When you take out an insurance policy following advice, the insurer will generally pay the insurance adviser a commission. This means the cost of getting advice does not usually need to come out of your pocket separately. How the adviser is paid, including relevant commissions or incentives, will be disclosed to you as part of the advice process. New Zealand disclosure rules specifically require advisers to explain relevant fees, commissions and incentives.
Does commission affect which insurer you recommend?
It shouldn't determine the recommendation. Your advice should be based on your circumstances, needs and goals. Financial advisers in New Zealand have duties that include giving priority to the client's interests and exercising care, diligence and skill. Relevant conflicts and commissions must also be disclosed.
Does it cost anything to get insurance advice?
In most cases, there is no direct advice fee for arranging your Life, Health or Disability insurance through our specialist advice service. If any fee could apply, this will be explained to you before you proceed.
Can't find an answer to your question?
Book your free 10-minute chatNot sure which step to take first?
You don't need to have your entire life sorted out before you talk to us. Book a free, no-pressure 10-minute chat with our local NZ team. We'll listen to your goals and help you find your starting point.