Kyle McElwain - Financial Advisor - Resure Insurance

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Kyle McElwain - Financial Advisor - Resure Insurance

During our lives, we work hard and make sacrifices to provide the best possible future we can for ourselves and others.

What happens when something unexpectedly occurs that prevents this? Work with me to try and limit significant financial disruption. Advice provided on these insurance solutions

Personal:
- Life
- Income Protection
- Trauma
- Total Permanent Disability
- Medical

Business:
- Buy & Sell Cover
- Group Policies
- Key Person
- Rural Protection

08/06/2026

Nothing says "Happy Monday" quite like discovering a rodent has decided your house pipe looked like a great midnight snack.

This resulted in an unexpected water leak, a wet floor, and a very different start to the week than you had planned.

It's a reminder that life has a funny way of throwing surprises at us when we least expect them.

While most of us don't spend our weekends worrying about rodents with plumbing ambitions, unexpected events happen every day. Some are minor inconveniences, and some can have a much bigger impact on our finances, our health, and our families.

That's why personal risk insurance exists. You can't always prevent the unexpected, but you can prepare for it.

Just like having the right cover can help when something goes wrong with your home, having the right personal insurance can help protect your income, lifestyle, and loved ones if life takes an unexpected turn.

Because while we can't predict every challenge that might come our way, being prepared makes dealing with them a whole lot easier.

And if anyone knows of a rodent looking for a career change, I may have a plumbing apprenticeship available 😉

Resure

27/05/2026

How satisfied are you with your KiwiSaver provider?

Recently, Consumer NZ conducted its annual survey to determine consumers' satisfaction with their KiwiSaver provider and to highlight the "People's Choice" (2,000 independent clients).

This year, these were named as Generate KiwiSaver Scheme, Booster NZ, Milford and Simplicity.

While it is great to see an uplift in satisfaction, when was the last time you reviewed your KiwiSaver provider and solution?

Here's a tip - most people never have...

Resure

21/05/2026

One of the most overlooked parts of financial and estate planning is policy ownership.

It’s not just about having insurance in place. It’s about making sure the money goes where you actually want it to go, when it matters most.

The ownership structure of an insurance policy can impact:

• Who controls the policy
• Who receives the proceeds
• How quickly funds can be accessed
• Whether the payout aligns with your estate wishes

When supported properly with an Enduring Power of Attorney (EPA) and an up-to-date Will, policy ownership becomes a powerful tool to help protect families, reduce stress, and ensure loved ones are financially supported exactly as intended.

A small conversation today can prevent major complications later.

It’s always worth reviewing:

✔️ Who owns your policies
✔️ Who the beneficiaries are
✔️ Whether your legal documents still reflect your wishes

Good planning isn’t just about creating wealth and financial support. It’s about making sure it ends up in the right hands.

Resure

13/05/2026

30 June is the deadline to qualify for the government KiwiSaver contribution.💰

If you’ve contributed at least $1,042.86 to your KiwiSaver this year, the government adds up to $260.72 for free if you are over 18.

$260 might not feel like much today, but invested over decades, compounding interest can turn small amounts into something far more meaningful.

A quick top-up before 30 June could make a bigger difference to your future self than you think.

Worth checking your balance before the deadline 👀

Resure

06/05/2026

Want a quick tip?

When applying for personal insurance, one thing that often catches people off guard is their ACC claim history.

And before you panic… no, that ankle sprain from trying to relive your rugby or ice skating glory days probably isn’t forgotten!

Most people don’t realise you can actually request a summary of your ACC claims history directly from ACC, and it’s usually quick and easy to obtain.

Why does it matter?
Insurers will often ask about previous injuries, claims, or treatment history during the application process. Having the information upfront helps avoid surprises, delays, or accidental omissions later on.

A little preparation now can make the application process much smoother.

Sometimes the best insurance advice is simply knowing what you need to have ready before you start 👍

Resure

29/04/2026

One of the biggest advantages of working with an independent insurance advisor is simple...... Choice.

Let me paint you a picture. We go down a path with one insurer, everything’s looking great… and then.... a disclosure pops up. Maybe it’s an old injury, a health condition, or something from years ago… and suddenly, we hit a roadblock.

Now, if you’re dealing with just one provider, that’s often where the story ends. Game over.

But this is where financial advisors come in.

Because we don’t have just one option, we have many. Different insurers look at things differently. What’s a “no” for one might be a “yes” for another.

Sometimes you feel like giving up at that point. The process feels too hard, too complicated… a bit like assembling IKEA furniture without the instructions.

But that’s our job — we love the instructions.

We do the groundwork, the back-and-forth, the problem-solving, so you don’t have to.

Our goal is simple: To find a way forward when it feels like there isn’t one.

So if you know someone who’s been told “no,” send them our way because “no” is often just the start of the conversation.

21/04/2026

Only 28% of people have used a financial advisor in the past 12 months. Really?

This came from a recent FMA report and webinar.

At the same time, the biggest barriers seem to be:
• Affordability
• Not knowing where to start
• Lack of awareness
• Lack of trust

Yet, when people do engage with a financial advisor, around 70% say they received good or great advice.

So there’s clearly a gap here!

This kick-started my curiosity gear...

From your perspective, what would actually make financial advice more accessible and appealing?

* What would build trust faster?
* What would make you feel it’s worth the cost (even though the advice I provide has no additional direct costs for individuals or businesses)?
* What would help you understand the value earlier?
* What would prompt you to reach out in the first place?

Keen to hear honest thoughts, whether you’ve used an advisor before or not.

There’s a real opportunity here to rethink how advice is delivered and who it reaches.

Resure

17/04/2026

How confident are your employees when it comes to insurance and KiwiSaver?

For most, it’s confusing, delayed, or overlooked entirely.

We work with businesses to deliver simple, practical education sessions that cut through the noise, giving people the knowledge and confidence to make better financial decisions.

No jargon. No pressure. Just real understanding.

We adapt to your team, which can include: Short sessions, in-person or virtual.

Financially confident employees are less stressed, more focused, and better supported.

If you’re looking for a fresh way to support your team’s wellbeing, let’s talk.

What’s one thing your employees wish they understood better about their finances?

Resure

09/04/2026

There’s never been more information available when it comes to insurance.

You can jump online, compare policies, click a few buttons and technically, you’re covered!

It’s a bit like doing your own accounting, being your own tradie or doing your own legal work.

You can do it, but the question is, is it the best way?

Because with personal risk insurance, it’s not just about having cover.

It’s about having the right cover.
* Will it actually pay out?
* Is it structured correctly?
* Does it reflect your income, your debt, your business risks?
* And when it comes time to claim, who’s in your corner?

That’s where advice makes the difference.

It’s not about making things complicated.

It’s about making sure it works when it matters most.

If you’ve set up your own insurance, or haven’t reviewed it in a while, it might be worth a second look.

When was the last time you checked that your cover actually does what you think it does?

Resure

18/03/2026

I need to claim, I need help!

Too often, people only reach out to their financial adviser after they’ve lodged a claim, when stress is already high, and the stakes are even higher.

But here’s the reality:
The best time to engage your adviser is before you hit submit.

Why?

Because claims aren’t just about having the right cover. They’re about getting the details right. A small oversight, missing information, or poorly completed form can lead to delays, unnecessary back-and-forth, or even complications you didn’t see coming.

A good financial adviser doesn’t just help you set up a policy and disappear.

They:
- Guide you through the claims process
- Ensure your paperwork is complete and accurate
- Help you avoid surprises or “curve balls”
- Advocate for you when it matters most

This is where real value shows up, not just in creating a solution, but in standing beside you when you need it most.

If you’ve got cover in place, ask yourself, would I know who to call before making a claim?

Because the difference between a smooth claim and a stressful one often comes down to having the right support at the right time.

Don't have a financial advisor? Let's chat...

Address

355 Selwyn Street, Addington
Christchurch
8042

Telephone

+64278197713

Website

http://www.resure.co.nz/

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