Carmen Lapthorne

Group & Employee Benefits Specialist

T: 03 211 1172 | M: 027 655 5252 |


  • Employer group schemes.
  • Health insurance.
  • Natural and genuine client skills.
  • Trustworthy and committed relationship building.

About Carmen

I would love to be described as an adrenaline-seeking, gym bunny/health nut - but after years of working in the hospitality industry while my children were growing, a more accurate description would be: a wine tasting (quality control naturally) foodie who loves to read in the sun, socialise with friends, and who tries (really tries) to get in a decent bit of exercise.

I have just over eight years’ experience in the insurance/financial world. Starting out in the industry with Southern Cross Medical Care Society & more recently as the Lifetime health insurance adviser for Southland & Otago. Employer group schemes are my specialist area, with 11+ years working with and for local companies, aiding the decision-makers and group members at every level - from the implementation of a new group scheme right through to obtaining approval for surgery on behalf of a client. All confirm the invaluable benefit of being situated locally and available for assistance in person.

The most exciting news in the health insurance area is the increasing competition from strong providers who are offering fantastic benefits in direct competition with the major insurance companies. This means we have a varied and comprehensive selection available which enables us to get the best fit. “Best cover at the best price with the best on-going service.”

My Three Golden Rules

  1. Do unto others...
  2. Practice gratitude.
  3. Do the work.

Neither Lifetime nor I have been subject to a reliability event. A reliability event is something that might influence you in deciding whether to seek advice from either myself or Lifetime. As an example, this would be a serious event such as legal proceedings against me, or bankruptcy in the last four years.

Get In Touch

Contact Carmen on 03 211 1172  |  027 655 5252  | or alternatively send us an online enquiry below.
preview image - Group health insurance: four pitfalls companies need to avoid

Group health insurance: four pitfalls companies need to avoid

Health benefits can play a critical role in retaining existing staff and attracting new talent to your organisation. Lifetime financial adviser Carmen Lapthorne warns business owners and HR managers against making these common mistakes.

12 November 2018 by Carmen Lapthorne in Group Insurance, Insurance