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Personal Insurance Advisers in New Zealand

Protect what matters most with trusted insurance advice

At I’n’I Advise, we help New Zealanders protect their income, health, and families with insurance solutions tailored to real life.

With over 40 years’ combined experience and operating under a Financial Markets Authority (FMA) licence, our advisers provide clear, personalised advice and ongoing support when it matters most.

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It’s not about us, it’s all about you.

Personalised advice

We take the time to understand your situation and recommend cover that genuinely fits your life.

 Support when you need it most 

We don’t just set up your cover — we support you through claims to ensure you receive what you're entitled to.

 Simple setup 

We manage the process and explain everything clearly.

 Ongoing support 

We’re here for reviews and claims support whenever you need us.

Our Services


Redudancy cover

Redundancy Cover

If you're made involuntarily redundant, we'll provide you with a monthly payment to help pay for your living expenses (cover of up to $4,000 per month).

Provides coverage for two periods of redundancy during the cover term.


Mortgage protection

Mortgage Protection

Mortgage protection insurance is a policy that pays a monthly benefit if you are disabled due to illness or injury and, as a result, you are unable to work in your own occupation.


Income protection

Income Protection

Income protection insurance is a policy which pays a monthly benefit if you are disabled due to illness or injury and, as a result, you are unable to work in your own occupation.


Heath Insurance

Medical Insurance

Health insurance allows you to access private medical care, when and where it suits you. Get reimbursed for covered medical expenses up to high annual limits.

Better still, get pre-approval for any covered expense so you don’t have to pay first. Choose from a range of excess levels to tailor your premiums to your budget.


TRauma cover

Trauma Cover

Trauma insurance (also known as Critical Illness insurance) is a policy that pays a non-taxable lump sum benefit if you develop any one of a range of specified medical conditions, and you survive for at least 14 days after that event.


Life Insurance

Life Insurance

Life insurance is a policy which pays a non-taxable lump sum benefit in the event that you are deceased or diagnosed with a terminal illness.

A terminal illness is defined as one which, based on medical evidence, will result in death within 12 months, irrespective of any treatment you receive.

Testimonials

Miriam Nelly
Trent Morrison

 Do I Need Insurance in New Zealand? 

If you rely on your income, have dependants, or want to protect your lifestyle, insurance can provide financial security if something unexpected happens.

Many New Zealanders underestimate how illness or injury could affect their ability to earn. The right cover helps ensure you and your family are financially supported without added stress.

 What Does Income Protection Insurance Cover? 

Income protection insurance provides a monthly payment if you're unable to work due to illness or injury. This can help cover everyday expenses such as rent, mortgage payments, and living costs while you recover.

Because policies vary, personalised advice is important to ensure your cover fits your situation.

Real Support When It Matters Most

Insurance isn’t just about policies — it’s about people.

We support our clients through the claims process, helping navigate what can often feel overwhelming and ensuring they receive the support they’re entitled to.

Get Trusted Insurance Advice

Whether you're reviewing your cover or starting fresh, we’re here to help you make confident, informed decisions.