Protect your income, control the outcome

Insurance can allow you access to better medical care, quicker. That means less down time and a faster recovery. Protect yourself, your family and your future with a personalised insurance plan.


We’re here to provide unbiased advice on the most suitable insurance for your circumstances – never too much or too little. Just the right level of cover to protect yourself, take care of your family or safeguard your business from any potential setbacks. 

Life is always changing, so your insurance policies will be reviewed and updated on a regular basis. When you need to make a claim, we’ll be there to support you, making sure your policy delivers as it should.

When it comes to health and life insurances to protect your lifestyle, recovery options and family - we are your expert team. 

Provide peace of mind that you can maintain the lifestyle you've built and your home will stay your home, even if unable to earn an income or continue your mortgage / rent repayments.

Protect your business from setbacks and even potential closure with adequate and tailored insurance cover. Each business has unique individual requirements, so work with us to ensure you have the cover you need, when you need it. 

Rural insurance is specialist insurance, it needs to be designed to fit the requirements of each situation. From property, to equipment, to cash-flow and livestock - we have the products to protect your rural operation from the risks you face. 

Investment property can be a strong way to grow wealth, however it also carries many risks. From issues with tenants, to body corporate requirements and damage to property, it needs a specialist insurance plan to protect your investment. 

Group schemes are an excellent way to attract and maintain the best possible staff your industry has to offer. At a relatively low cost to the company you can offer your employees personal insurance cover.

Generally, insurance premiums are worked out based on your age. In your youth, your premiums are inexpensive and easy to manage. As you grow older your risks become greater so your premiums will increase and become steadily more expensive.

5 Insurable Events

Are you adequately covered for these events? When it comes to ensuring you have financial protection in place for your needs should a medical condition affect your ability to earn, there are five key events to consider.  

1. Health
2. Income Protection
3. Trauma
4. Total Permanent Disablity
5. Life


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Ready to talk? We have a team of advisers nationwide keen to understand your needs. Click here to find a specialist Lifetime Adviser near you to make a no-obligation appointment. 

The average life expectancy in New Zealand is 83 years for a female and 79 years for a male.

Protect Your Greatest Asset - Your Income

With income and mortgage insurance you can rest easy knowing you won't lose the family home if you can no longer work.

Provide peace of mind that you can maintain the lifestyle you've built and your home will stay your home, even if unable to earn an income or continue your mortgage or rent repayments.

Learn More
18th Jun by Lifetime

At Lifetime we understand the impact that these health situations can have on you both emotionally and financially. Your Adviser can be that person who can be there to reassure you especially if you hold insurance policies; they often cover more situations than you think.

26th Feb by Nathaniel Byers

Paying for trauma cover might seem like an avoidable expense, but it can prove vital to safeguarding your financial standing should the worst happen, says Lifetime financial adviser Nathaniel Byers.