FAQ - Plan B

What types of personal insurance do you offer?

We provide advice and cover for life insurance, health insurance, trauma cover, income protection, mortgage protection, and permanent disability insurance.

How much life insurance do I actually need?

This depends on your personal circumstances—like your mortgage, debts, income, and family situation. We’ll work with you to tailor a plan that fits your needs and goals.

Is health insurance still worth it in New Zealand with public healthcare?

Yes. Health insurance gives you faster access to private treatment, specialists, and elective surgery, helping you avoid long waitlists and take control of your health journey.

What’s the benefit of income protection vs mortgage protection?

Income protection and mortgage protection both designed to support you financially if you’re unable to work due to illness or injury. Income protection offers a higher income replacement amount. Whereas mortgage protection doesn’t have offsets apply, such as ACC payments. We can help you decide what’s best based on your needs.

Why do I need income protection if I have ACC?

ACC only pays if you have an accident. Income protection covers you if you have an illness, accident, sickness or injury not covered by ACC.

Can I still get insurance if I have a pre-existing condition?

In many cases, yes—though it may come with some exclusions or loadings. We’ll help navigate the process, pre underwrite to compare the terms from the different providers and ensure you understand the implications.

How are your services paid for? Do I pay you directly?

We are paid in the form of a commission from the insurer, meaning there’s usually no direct cost to you. You don’t pay us directly for advice.

How often should I review my insurance cover?

We recommend reviewing your cover annually or whenever your life situation changes—like buying a house, having a child, or changing jobs.

Can I meet with you online or do I have to come into the office?

Both options are available. We work with clients across New Zealand in person, online or over the phone, whichever suits you best.

Do you work with businesses too or just individuals/families?

Yes we work with businesses too such as small business owners, especially around key person cover and shareholder protection. As well as helping individuals and families.

Why should I use a financial adviser and not go directly to the provider?

A provider can only advise you on their own product, they won’t compare policy wordings, financial strength or premiums with other providers. We don’t charge a fee for using our services, and you gain the value of having an experienced financial adviser ensuring your cover levels are correct, reviewing your cover, and comparing underwriting terms with providers on your behalf. We also support and help you with your claims and advocate on your behalf. You also have the consistency of having me as your adviser, who knows your situation, rather than someone different every time you want advice or support.

I already have insurance cover in place, why do I need to meet you?

Your cover should be tailored to your circumstances which are forever changing. It can become out of date and is worth reviewing regularly. An example is Life cover which could be taken out to pay off the mortgage and leave funding for your children, as time goes by and your mortgage level changes and your kids grow up, that level may need to increase or decrease depending on your situation.

How do I get started?

It’s simple, just book a consultation. We’ll get to know each other, understand what you need, find out what’s important to you and explain the next steps.