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Do I need


How Do I Know If I Need Insurance?

Insurance needs are unique to each person, but generally most the need for insurance coincides with major life events, such as getting married, buying a house, having children or starting a business. Essentially, when your financial responsibilities increase, its always a good idea to think about what would happen to your financial position if anything was to happen to you.

Insurance is a financial safety net, providing you & your family with support when you need it most, weather that is being unable to work, being diagnosed with an illness such as cancer or passing away.

What Types Of Insurance Do I Need?

There are five key types of personal insurance, and the need for each of these varies for everyone.

1. Income & Mortgage Protection:  This cover is a pays a percentage or set amount of your income monthly if you are unable to work due to illness or injury.  This allows you to continue your lifestyle, without major financial set backs that come from being unable to work. Learn more about Income Cover here or Mortgage Cover here

2. Trauma Insurance:  Provides a lump sum payment if you are diagnosed with a serious illnesses, allowing you take take time off work, pay for treatment or any additional costs associated with getting a serious illness such as cancer or a heart attack.  This cover is especially valuable for those without income, as it can allow a partners or support person to take time off work to help care for you or your family.

3. Life Insurance:  Pays a lump sum in case of death or terminal illness, ensuring financial stability for those you leave behind.  This amount can cover paying off a mortgage, leaving education funds for kids, retirement funds and more. Learn more about Life Cover here.

4. Medical Insurance:  This insurance covers direct medical bills, private treatment and access to non-pharmac approved drugs. This does not cover the cost of time off work or lost income, so its important to consider how you would pay your bills if you were off work receiving treatment.  Learn more about Medical Cover here.

5. Total & Permanent Disablement:  This cover pays out in a lump sum if you were diagnosed as permanently disabled, unable to return to work.  This helps cover costs of things like changes to your home, car or lifestyle as well as paying off debt and expenses to take the financial pressure off your family if you are no longer able to earn income.  This can work alongside income covers to help with costs of disablement. 

Working With A Budget?

Our job is to work with you to provide a plan that fits your needs AND budget.  We know that everyone's situation is unique, which is why we're committed to working closely with you to make a plan that not only fits your lifestyle but also aligns with your financial position.

We believe in flexibility. From structuring your coverage to finding cost-effective solutions, we're here to ensure that your insurance not only meets your current needs but also evolves with you as your circumstances change.

Why Aim Financial?

Using a financial adviser takes the stress out of the process, ensuring you understand exactly what you are covered for and why.   We work with many different insurance companies, and do the research to make sure we match you with the cover/company that suits your needs and budget.  We provide ongoing support for claims and reviews to make sure your insurance stays relevant to your lifestyle. 

We have over 20 years of experience in the industry, and we love what we do.  We have had the pleasure of working with hundreds of families, individuals and businesses over the years and are excited to continue helping our community with Great Advice and Great Solutions.

See what our clients have to say about us here.

Where Do I Start?

If you are wanting to start looking into how insurance could work for you, we have a simple process that can be done online, over the phone or in person – whatever works best for you.


1.  Consultation: Schedule an initial meeting or call with us (here).  We will talk about what you are looking for, how we can help and any specifics that will shape our recommendations.

2.  Fact Find & Plan: Once we have established how we can help, we will get you to complete a detailed ‘fact find’ questionnaire which will help us understand your financial position, so that we can go away and create a plan that is based on your unique situation.  We provide you with options to look at and discuss the different recommendations with you. 


3.  Implement: Once you are happy with your insurance plan, we handle all the boring bits, and guide you through the application process, most of which is quick & easy online.  Our goal is to make the entire experience as smooth and hassle-free as possible.

Ready to take the first step? Schedule your consultation today to see how we can help.

Doesn't ACC Cover Me?

We are incredibly lucky in New Zealand to have ACC, which provides cover for injuries resulting from accidents.  The key difference between ACC & private income covers is that private insurance covers both illness AND injury (including non accident related).  This means that no matter what the reason, you can rest assured you have an income stream secured, protecting your lifestyle. 

It is especially important for self-employed people to consider how ACC & private income cover work for them.  ACC is paid based on your previous earnings, and as most self employed people know this can significantly fluctuate, and if you were to be injured after a low year, you may not be eligible for much ACC cover at all.  As insurance experts, we incorporate ACC into our analysis, and if you are self employed, it may be best to can change your scheme to an agreed value cover (See more about ACC schemes here), and using the cost savings on your levies toward covering your income with private insurance at a level that is suited to your unique situation.


We are also very lucky to have a public health system that provides treatment, however this does come with limitations.  The public health system is often overwhelmed and works on a priority system, therefore wait times can be very long if your treatment is not deemed urgent (e.g.  a hip replacement).  It also does not offer a lot of choice in terms of the treatment you receive, you are limited to what is offered by the system at the time.  With private insurance, you are able to choose non-pharmac approved treatment, who carries out your treatment and receive treatment with significantly shorter wait times in the private system.  In summary, insurance gives you more choice and better care.

Learn more about ACC for self-employed people here.

Want to know more about how insurance could work for you?

Complete the form or contact us directly at
+64 21 028 34844

We will be in touch soon!

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