PERSONAL INSURANCE
Advice that fits your life
You are your most important asset. Protect your income, health and lifestyle with advice tailored to you.
Life Insurance
Life insurance is about making sure the people you love are looked after if you're not there. It can pay off shared debts like the mortgage, cover funeral costs, and help your family keep up with bills and everyday living while they find their feet.
How much cover is right for you? We'll sit down with you, look at your debts, your family and your goals, and work out a level of cover that makes sense, not one that's more than you need. Because we often help with your mortgage and KiwiSaver too, we can see how everything fits together. We'll keep reviewing it as your life changes, and we'll also be here to help your family through the claims process if the time comes.
Trauma Insurance
A serious illness is hard enough without money worries on top. Trauma cover pays a lump sum if you're diagnosed with one of a set list of conditions, such as cancer, a heart attack or a stroke. If a claim is accepted, the payment can generally be used however you need, whether that's treatment costs, time away from work or extra support at home.
The detail matters. Trauma policies can differ a lot in the fine print. We'll walk you through it in plain language and help you set up cover that actually works for you, then keep an eye on it over the years.
Income Protection
What would happen if your pay stopped tomorrow? Could you still cover the mortgage and the weekly bills?
ACC can provide support for eligible injuries, but it generally doesn't cover time off work due to illness. And while sick leave may help in the short term, what happens if you're unable to work for several months?
Keep life on track. Set up well, income protection insurance can provide regular payments if illness or injury prevents you from working, helping you manage everyday expenses while you're unable to earn your usual income. We'll help you understand the options and choose cover that suits your income, your mortgage and your budget, and we'll revisit it when your circumstances change.
Mortgage Protection
Mortgage protection insurance is designed to help with your mortgage repayments if illness or injury prevents you from working. Depending on the policy, it can provide regular payments to help with mortgage costs. We'll help you understand the available benefit amounts, waiting periods and how long payments may continue.
Want to protect your family home? We can look at your home loan and your cover side by side and make sure they work together. We'll explain how mortgage protection could help, talk you through other options that might suit you better, and keep it simple.
Health Insurance
We're lucky to have a public health system that looks after us in an emergency. But for non-urgent procedures, like a hip replacement or a colonoscopy, waiting lists can be long.
More options for accessing treatment. Health insurance may help you access eligible private healthcare services sooner, depending on your policy and the treatment required. Some policies also include GP visits and prescriptions, or medicines not yet funded by Pharmac, such as some cancer treatments.
Not all policies are the same, so we'll help you find one that suits your family, your needs and your budget. Get in touch and let's have a chat.
TRUSTED BY 6,000+ KIWIS
What our clients say
⭐⭐⭐⭐⭐
Read our 5-star Google reviews
It is pleasure working with the team at Discovery Financial service, Jason been advising my wife and I for the last 2 years on our kiwi saver options and life insurance policies and recently put us in touch with Bradley who helped us buy our first home. We were like a fish out of water and had not idea where to start. Bradley helped us through the process from start to finish. They are extremely helpful and accommodating to your needs.
We would highly recommend Discovery Financial services.
Thanks Jason and Bradley for your awesome work, its is much appreciated. Looking forward dealing with you in future.
JK
Jaco Koole
Insurance & KiwiSaver client for 2 years
FAQs
Insurance questions answered
Still wondering about something? We're always happy to chat. Give us a call on 09 271 2570 or 021 048 3332, or send us a message.
What types of insurance do you advise on?
We advise on life, trauma, income protection, mortgage protection and health insurance for individuals and families, and on insurance that protects business owners' key people and revenue. We compare policies from AIA, Asteron, Chubb Life, Fidelity Life, Partners Life, nib and Southern Cross, and help you choose cover that fits your needs and budget.
How much insurance do I need?
It depends on your debts, income, family and budget, so there's no one-size-fits-all answer. We look at what you and your family would need if you couldn't work or weren't here, so you're not paying for cover you don't need or left short when it matters. We then review it with you as your life changes.
Doesn't ACC already cover me?
Only for accidents. ACC doesn't protect your income if you can't work because of a serious illness, which is where income protection, trauma and mortgage protection insurance can help. We can show you where the gaps are for your situation.
Is health insurance worth it in New Zealand?
It depends on your situation. Health insurance can cover private diagnostic tests, specialist appointments and treatment, and some policies also cover medicines that Pharmac doesn't fund. We can talk through whether it's right for you and compare policies from AIA, nib, Partners Life and Southern Cross to find one that suits your needs and budget.
Will you help me if I need to make an insurance claim?
Yes. We can help you through the claim, from the forms to dealing with the insurer, so you're not doing it alone at a hard time. Being there when you need it most is what insurance is for.
Peace of mind, today and tomorrow
Life, health, income protection or business cover, we'll help you understand your options and review your cover as your life changes.
Our family protecting your family since 2009
GET IN TOUCH
Discovery Financial Services Ltd
Building 8, 15 Accent Drive, East Tamaki, Auckland 2013
Tel: 09 271 2570
