Diana McIntyre Personal & Business Insurance Adviser

Diana McIntyre Personal & Business Insurance Adviser Don’t wait—secure your future Hi, I’m Diana McIntyre. At the heart of everything I do is . Reach out to me for a chat or a coffee.

If simple, straight-up advice is what you’re after, I’m here to help you protect your health, life and income, plus help you grow your wealth through KiwiSaver. Let’s face it—none of us really want to think about insurance, but we all need it to protect what matters most. My goal is to help you find the coverage that’s just right for you and your family. I simplify the complexities of life, income

, health and business insurance, making them easy for you to understand and relate to. Whether you’re an individual, a family or a business owner, I’m here to provide guidance with honesty, transparency and a personal touch. How Can I Help You?
✔️ Life Insurance
✔️ Trauma Cover
✔️ Income Protection
✔️ Mortgage Protection
✔️ Health Insurance
✔️ Total Permanent Disability (TPD)

I know firsthand how challenging it can be to face a crisis and worry about losing your health, income or stability. Using my life experience and extensive professional experience, I help you identify and address potential blind spots. If simple, straight-up advice is what you’re after, I’m here to provide the support and expertise you need to make informed decisions and protect what matters most. Your life, health and income are invaluable, and protecting them before a crisis is essential. Contact:
T: 021 888 090
E: [email protected]

Whoop whoop at the Home Shiw this weekend. If your around, come say hi 👋 ☺️
09/10/2025

Whoop whoop at the Home Shiw this weekend. If your around, come say hi 👋 ☺️

West Coast reset A weekend on the West Coast and a little retreat time gave me the chance to rest and reset. Sometimes w...
06/10/2025

West Coast reset

A weekend on the West Coast and a little retreat time gave me the chance to rest and reset. Sometimes we all need that; to clear the energy, slow the pace, and refill the tank so we can show up as our best selves… for our families, for those we love, and for the people we serve every day.

In my world as an adviser, I often have delicate conversations, from how Wills might work in blended families, to what life insurance can do to create fairness and clarity. I also spend time with business owners, talking through what level of business income would be needed if a key person or business partner couldn’t work, ensuring the business can keep running, maintain its value, and meet its obligations.

These conversations can sometimes be confronting, but they’re important ones to have. Finding the right balance with empathy, understanding, and straight-forward advice is key. Because at the end of the day, it’s about people, not just policies.

And I know I’m not the only one needing an energy reset right now, there are a lot of busy, stretched people out there. So take the time for you. It’s well worth it.

Do you like to know where you're at? (Find clarity empowering?)For those who know me, you’ll know I’m a straight-up, spa...
25/09/2025

Do you like to know where you're at? (Find clarity empowering?)

For those who know me, you’ll know I’m a straight-up, spade-a-spade kind of person. No fluff, just clear advice that cuts through the noise.

And because I love clarity, it got me thinking… what does clarity really look like when it comes to retirement?

When you strip it back, retirement lifestyles in NZ usually fall into three buckets:

Modest ($50k–$70k a year): Covers the basics. You’ll own your home outright, take the odd local holiday, eat out every now and then, and keep an older car going.

Comfortable ($80k–$100k a year): This is the lifestyle most of us picture – regular hobbies, the odd overseas trip, eating out weekly, and being able to cover health or dental bills without stress.

Luxury ($120k+ a year): Financial freedom. Think private healthcare, new cars, frequent travel, generous support for family, and no second-guessing your spending.

(And just to be clear, those numbers already assume you’re getting NZ Super!)

If you don’t know what your KiwiSaver is tracking toward, you’re flying blind. Clarity means knowing which bucket you’re actually on track for… and whether you’re happy with that.

If you’d like to see where you stand and what’s possible with a few smart tweaks, book a KiwiSaver clarity chat with me. I’ll help you turn “I think I’ll be okay” into “I know I’m sorted.”

Subject choices & life choices Over the past week my 15 year old son and I have been deep in conversation about his subj...
10/09/2025

Subject choices & life choices

Over the past week my 15 year old son and I have been deep in conversation about his subjects for next year as he heads into Year 11 (for the old schoolers out there …that’s 15th form).

Ag/Hort Science? General Science? Physics and Chemistry?

We’ve weighed up the value, the potential, the “what doors might this open later” conversations. The balance between keeping options broad while still making choices that feel relevant for his journey.

To be honest, it felt a bit early to be having these chats. But then it hit me… this is exactly how some people feel when I sit down with them to talk life or income insurance.

“Too soon.”

“Not something I need to think about yet.”

But the truth is whether it’s subject choices at 15 or financial protection in adulthood, the best decisions come when we have the right guidance at the right time. Before it feels urgent.

So here’s my questions for you:

Who’s on your team helping guide the big decisions before you think you need to make them?

And if you were 15…what subject would you take again? And which would you ditch…

If your keen to chat: contact details or book a time at dianamcintyre.co.nz

“I don’t need health insurance. It’d be cheaper to put money into a savings account and pay any medical bills myself.”I’...
03/09/2025

“I don’t need health insurance. It’d be cheaper to put money into a savings account and pay any medical bills myself.”

I’ve definitely heard friends and family say this and to be honest, before I got into the health insurance industry, I was guilty of thinking the same way.

But here’s the truth I’ve since learned (narrowly missing the hard way): as a single mum to a super-active 15-year-old who loves mountain biking, snowboarding and hunting, relying on the public system when we need care (but it’s not deemed “critical”) could mean a very, very long wait. And let’s be honest my teen wouldn’t be too keen on sitting out the adventures he loves because we’re stuck in a queue and my savings just didn’t cut it.

The other mistake in my thinking? I massively underestimated the real cost of procedures.

MRI scan = thousands, Hip replacement = $25,000–$40,000, Cancer treatment = don’t even want to see the bill

New Zealand’s public health system is still “free” but it’s overloaded and underfunded. Unless you’re urgent or life-threatening, you wait. And if you’re banking on your savings account covering the gap, unless you’ve built up a very large one over decades, you’ll likely be in for a shock.

For me, I’d much rather pay a manageable premium, know my son and I can get treatment when we need it, and keep my savings for cool trips and outdoor adventures not hospital bills.

If you’ve ever thought “I don’t really need health insurance” lets yarn. Future you / kids / family will be glad you did.

Photo credit: Throwback to son when he was 9

Got Your BackYup, that’s me. I’ve got my clients’ backs.In my world, that means being in your corner, standing beside yo...
24/08/2025

Got Your Back

Yup, that’s me. I’ve got my clients’ backs.

In my world, that means being in your corner, standing beside you when life feels overwhelming. It’s why I do what I do.

Keeping an eye on the things you don’t always have time (or energy) to deal with. Giving you confidence that even if life throws curveballs, you won’t face them alone. Because at the end of the day, it’s not just advice, it’s trust.

And the best part? The spark for writing this came from a lovely note I received from a client this week, acknowledging exactly that.

Sometimes it’s the simple words “Thanks for having our back” that remind me that having someone's back is pretty cool.

Last Saturdays sunrise was a stunner And it got me thinking (like quiet moments do). Standing there, watching the light ...
04/08/2025

Last Saturdays sunrise was a stunner

And it got me thinking (like quiet moments do). Standing there, watching the light slowly creep over the horizon, I was reminded how life keeps moving forward, whether we’re ready for it or not.

It made me think… personal insurance is a bit like a sunrise. You don’t always notice it. You don’t always think you need it. But when things feel dark, it’s that quiet, steady light that helps guide the way. (The hope and promise).

Life changes fast, one diagnosis, one injury, one phone call and suddenly, everything’s different. That’s why I do what I do. To make sure when the sun does rise after a storm, you’ve still got solid ground beneath your feet.

If you've been meaning to sort your cover, or it’s been a while since you reviewed it, this is your little nudge. Let's chat. No pressure. Just real talk, from someone who’s walked beside people in their best and worst moments.

Find me at dianamcintyre.co.nz

Real Talk, Real People, Real ValueOne of the things I really enjoy about the Craigs Investment Partners Women’s Wealth e...
29/07/2025

Real Talk, Real People, Real Value

One of the things I really enjoy about the Craigs Investment Partners Women’s Wealth events is that it’s not just about money it’s about broadening your thinking, connecting with like-minded women, and having conversations that stick with you.

Last Thursday’s event didn’t disappoint, a fireside chat with Christopher Luxon.

Whether you like politics or not, hearing someone share openly about their upbringing, career curveballs, family life and the actual values that shape how they show up? That’s the kind of stuff I get value from. It was also awesome to get a glimpse behind the public face, into the real human underneath, was surprisingly refreshing.

A couple of my fave takeaways:
· Sometimes the habits that got you to where you are… need to be unlearnt to take you further.
· Don’t take offence from people you wouldn’t take advice from. (YES to this!)

I also had the pleasure of connecting with the brilliantly talented Jessica Townsend CMgr - an authentic, straight-talking self-employed weapon of a woman here in the Bay. Jess, your energy is gold, more of this please.

Authentic connections that’s my happy place

Let’s talk about something quietly shaping your future….yep your KiwiSaver.The latest MJW KiwiSaver Survey (June 2025) i...
22/07/2025

Let’s talk about something quietly shaping your future….yep your KiwiSaver.

The latest MJW KiwiSaver Survey (June 2025) is out, and one thing’s crystal clear: not all funds are created equal.

Performance matters.

If you’re still in the default fund your employer or bank put you in, chances are… you could be doing a whole lot better. So, who’s standing out? Providers like Generate and Fisher Funds continue to deliver stronger long-term returns, especially in Growth and Balanced funds, where most Kiwis should be invested.

Breaking it down:

- Generate Focused Growth Fund: 8.5% average annual return over 10 years

- Fisher Growth Fund: 8.2% over 10 years

- Some big-name bank funds? Still sitting around 6–7%.

That 1–2% difference may not seem like much, but over 30 years, it could add up to six figures. Yep, that’s the difference between just getting by and living well in retirement.

And yet… so many people still don’t know:

- What fund they’re in, who’s managing it, whether it’s actually performing.

So here’s your friendly nudge:

- What type of fund are you in? Growth? Balanced? Conservative?

- Who’s managing your money?

- Are your returns keeping pace with the top performers?

Don’t leave it to chance, make sure you’re on the right track. I offer KiwiSaver reviews that help you understand

- Your current setup.

- Retirement projections and what that looks like as a lump sum or weekly income, so you have clarity on what your KiwiSaver balance could mean for your retirement lifestyle.

Because KiwiSaver isn’t just “nice to have”, it’s your future income. And a few smart moves now could make a massive difference later.

Book a review via my website dianamcintyre.co.nz and lets see how your KiwiSaver is tracking.

What Happens to the Business If a Shareholder Drops Out? (Let’s Talk Shareholder Protection)Here’s a question that doesn...
12/07/2025

What Happens to the Business If a Shareholder Drops Out? (Let’s Talk Shareholder Protection)

Here’s a question that doesn’t get asked enough:
What happens to your business if one of the shareholders is suddenly out of the picture?

And no, I don’t mean they’ve popped over to Bali for a break, I mean something serious: a critical illness, permanent disability, or unexpected death.

It’s not exactly fun dinner table chat, but it is essential business planning.

This is where Shareholder Protection Insurance comes in. Think of it as a practical safety net that lets the business keep ticking while looking after everyone involved; without drama, debt, or dodgy takeovers.

So what is it exactly?

Shareholder Protection (aka a buy/sell agreement with insurance) is designed to:
• Pay out if a shareholder becomes seriously ill or passes away
• Give the remaining shareholders the funds to buy out the affected partner’s shares
• Ensure the family or estate of the affected person gets a fair payout—without being dragged into business operations they don’t want

It keeps the business in the hands of those running it, while giving financial certainty to the family. No legal battles, no forced partnerships, no scrambling for cash.

What if you don’t have a plan?

That’s when things can get messy:
• A shareholder’s family inherits the shares and suddenly wants a say
• There’s no money to buy those shares back
• You risk taking on debt, selling to outside investors, or losing control

And all this… while someone’s going through a family crisis. It’s a lose lose all around.

Real talk: Most business owners don’t think about this until it’s too late.

We plan for sales, marketing, hiring, and growth...

But not enough people think, “What happens if one of us can't be here tomorrow?”
That’s why I always ask clients:
“Do you know what would happen to your shares, or your business partner’s if something serious came up tomorrow?” “Do you have a shareholders agreement?”
Because if you’re not sure… now’s the time to sort it.

What does it cost?

Not as much as you might think. For two healthy-ish business owners 42 and 45 its around $160 each per month could cover $500,000 worth of life and $250,000 of trauma protection. That’s real peace of mind for what you’ve spent years building.

Costs depend on:
• Age & health
• Value of your shareholding
• Whether you want just life cover or broader protection like trauma or TPD

But honestly? Compared to the cost of legal battles, ownership disruption, or debt... it’s a no-brainer.

If youd like to learn more about share holders protection you, book a quick call and I will walk you through it, no pressure.

www.dianamcintyre.co.nz

Fuelling the TankWhat do you do to fuel the tank?For me, it’s being outdoors, fresh air, trees, and exercise.I love what...
10/07/2025

Fuelling the Tank

What do you do to fuel the tank?

For me, it’s being outdoors, fresh air, trees, and exercise.

I love what I do, like reallllly love what I do….connecting with people, having real conversations, helping others get clarity. Whether it’s figuring out what retirement currently looks like (and what can be done to improve it), or helping families and business owners structure smart cover like income protection or health insurance, its work and conversations which actually make a difference to peoples lives.

But even though I love it, I know I need to fuel my own cup to keep showing up as my best self. And recently, I did just that.

I headed off on an epic adventure to Lake Waikaremoana with my 15-year-old and his mate. We hiked to Panekire Hut for the night, stunning lake views, fresh air for days (teenage boy farts aside), and a freezing 0-degree sleep with wet firewood and no heat! I loved every second of it… well, maybe not the part where my son told me I might be getting too old for this. Cheeky!

Recharging matters. If you haven’t carved out time to do that for yourself lately, chuck it in the calendar. You won’t regret it

Fri-YAY feels… Off I trotted to network this morning (cue the groan and internal eye-roll)... but surprise…this group / ...
27/06/2025

Fri-YAY feels…

Off I trotted to network this morning (cue the groan and internal eye-roll)... but surprise…this group / event are actually great.

The LinkedIn Local Tauranga crew are seriously top shelf humans. Energising, supportive, down-to-earth Kiwis just showing up to connect. Not a d***h bag in sight.

The fab Pip Carter, was todays keynote and she shared some gold nuggets on the ART of networking. My fave takeaways?

“Con-Ops” – short for contact opportunities. Basically, every random human interaction (yep, even freezing your bum off at kids' Saturday sport or awkwardly waiting in the mountain bike shuttle line) is a chance to connect. So lean in, …lean in.

And this gem: “Authentigrity” – a really cool mash-up of authenticity + integrity. Meaning: be real, be decent, and show up as you. Not the polished version, not the person on the highlight reel, the real-deal you.

Honestly? That’s my whole jam, showing up as myself, giving straight-up advice, and keeping it real. It’s how I like to live, and it’s 100% how I roll with my clients too.

To everyone I connected with this morning, thank you for making my Friday shine, even if it is pouring with rain outside.

Address

7/30 Willow Street
Tauranga
3110

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+6421888090

Website

Alerts

Be the first to know and let us send you an email when Diana McIntyre Personal & Business Insurance Adviser posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category