17/10/2025
Tonight I want to share something a little different.
This week something truly heartbreaking happened. My son and daughter’s daycare friend lost his little sister, just 15 months old. It is every parent’s worst nightmare. The grief, the shock, and then the reality of time off work, funeral costs, and simply trying to breathe through the unimaginable.
As a friend but also as an adviser, I had to make one of the hardest phone calls — to reach out, offer comfort, and gently ask if they had life insurance. It is never an easy question to ask, but I knew many New Zealand policies include a loss of a child benefit. It can range anywhere from $2,000 to $20,000 depending on the insurer. And in this case, they did have cover. The next day, the mother messaged to say they had spoken to their broker and that support was being arranged. A small bit of relief in an impossible moment.
This is why having an insurance adviser truly matters.
When you take insurance directly from a bank, a single company, or an online platform, you only see the options from that one provider. But each insurer in New Zealand works with different reinsurers — meaning their terms, definitions, and claim decisions can vary greatly. As advisers, we understand those differences and know exactly where to go to find the right fit for each client’s unique circumstances.
Our job doesn’t end once your policy is set up. We are here for you through every step — the check-ups, the scans, the unexpected phone calls. I always tell my clients: if you are seeing a doctor or having a scan, call me first. Sometimes insurance can help in ways you might not even realise.
That’s why we do what we do. Not just to arrange cover, but to stand beside you when life takes a turn you never saw coming.
Hold your loved ones close tonight. ❤️
