You insure your car.
Why not your income?
Most of us insure the house and the car without thinking. Yet your income pays for both, and far fewer of us protect that. If illness or injury stopped your pay tomorrow, how long could the bills wait? A quick, honest chat shows you what cover would actually cost. Example figures only.
- Independent, so John works for you, not a bank
- You deal with John directly, not a call centre
- No jargon, no pressure. Just 15 minutes
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Free · 15 minutes with John · real availability this week
No pressure: you deal with John directly, not a call centre.
ACC has you covered? Only for accidents.
Many Kiwis assume ACC steps in whatever happens. It does not. ACC covers accidents, not illness like cancer, a heart attack or a stroke, and illness is more likely to stop you working than injury. Income protection fills that gap. Worth a 15-minute chat to see where you stand.
3 moments that change everything.
Are you covered for them?
A new mortgage
The bank is happy. But if your income stopped, who pays it?
A new baby
One more person depending on your pay, right when life is busiest.
Your first big job here
More income to protect, and more people counting on it.
These are the moments cover matters most. A free 15-minute chat sorts it in plain English.
Just arrived? The insurance gaps nobody warns you about.
Insurance here works differently from home, and getting it wrong is expensive. Here is what to check.
You don't need residency to protect your family.
A common myth. Life, trauma and income cover are usually available on a longer work, business or partner visa, subject to the usual checks. You do not have to wait for residency to protect the people who moved here with you.
Protecting your family can cost less than your morning flat white.
Most people think insurance is expensive, so they never check. For a healthy young person, cover can start at just a few dollars a day. That can be the difference between your family keeping the home or not, if something happens to you. Example figures only. Ask us what yours would look like.
Your bank offers one product. An independent
adviser compares the whole market.
When you buy from a bank, you get their product. John is independent, so he compares the market and recommends what actually fits you, not what one company happens to sell. 30 years, and he works for you, not a call centre.
I'm John Milner.
30 years helping New Zealanders protect what matters. I’m independent, so I work for you, not a bank, and you deal with me directly, not a call centre.
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New to New Zealand? The insurance guide nobody handed you. Free.
Insurance here works differently from home, and getting it wrong is expensive. This plain-English guide walks new arrivals through what to check and when. Free, just tell us where to send it.
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30 years. Independent. Not a bank.
A free 15-minute chat.
No jargon, no pressure. Just 15 minutes with John to see where you stand and what, if anything, you should do next.
Frequently Asked Questions
With decades of experience in the New Zealand market, we understand the unique challenges and opportunities facing Kiwi investors.
Do I need residency to protect my family?
No, that’s a common myth. Life, trauma and income cover are usually available on a longer work, business or partner visa, subject to the usual checks. You do not have to wait for residency to protect the people who moved here with you.
Doesn't ACC cover me if I get sick?
ACC covers accidents, not illness. Illness is more likely to stop you working than injury, and income protection fills that gap.
Will my policy from back home cover me here?
Probably not. Most policies written overseas will not pay out in New Zealand, so it is worth checking before you need it.
What actually happens in the 15 minutes?
No jargon, no pressure. Just 15 minutes with John to see where you stand and what, if anything, you should do next.