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You insure your house, your car, and your belongings but what about your income, your health, and your future? At Lighthouse Financial, we help you protect the people and lifestyle you’ve worked hard for.
Most of us think “it won’t happen to me.” But the stats tell another story. When life throws the unexpected, too many Kiwis are left exposed – and the financial fallout can be devastating. Insurance isn’t just a policy, it’s peace of mind when life takes a turn.
Around 70% of Kiwis are under-insured (meaning their cover is too low or they have none), leaving the average household $830,000 short if tragedy struck.
One in seven households experiences a serious illness to the primary income earner (off work for 6+ months). Within four weeks, 55% of those households can’t pay their bills or maintain their lifestyle.
74,000 Kiwis have been waiting 4+ months just to see a specialist – a 45% increase since mid-2023. That’s months of uncertainty for thousands of families who could be seen in weeks with private cover.
More than 10,000 Kiwis have been waiting over a year for specialist appointments or elective surgeries. Private health insurance can help cut that wait dramatically.
Insurance is one of those things many people put in the too hard basket, until life proves how important it really is. A sudden illness, an accident, or time away from work can change everything overnight.
Life cover provides a tax-free lump sum that clears debt, replaces income, and allows your family to maintain stability when the world turns upside down.
When it comes to your health, time matters. Long public waitlists and limited drug funding can turn a setback into a crisis. Health insurance gives you access to the care you need when you need it.
Your ability to earn an income is your biggest asset yet it’s often the one thing people forget to protect. We’ll help you create a plan that keeps money coming in, even if you can’t work.
If you’re self-employed or a shareholder-employee, standard ACC cover can leave dangerous gaps. CoverPlus Extra lets you take control with a level of protection that actually matches your income and needs.
Speak with an advisor and discover how tailored financial advice can give you clarity and confidence.
Insurance is one of those things many people put in the too hard basket, until life proves how important it really is. A sudden illness, an accident, or time away from work can change everything overnight.
Life cover provides a tax-free lump sum that clears debt, replaces income, and allows your family to maintain stability when the world turns upside down.
When it comes to your health, time matters. Long public waitlists and limited drug funding can turn a setback into a crisis. Health insurance gives you access to the care you need when you need it.
Your ability to earn an income is your biggest asset yet it’s often the one thing people forget to protect. We’ll help you create a plan that keeps money coming in, even if you can’t work.
If you’re self-employed or a shareholder-employee, standard ACC cover can leave dangerous gaps. CoverPlus Extra lets you take control with a level of protection that actually matches your income and needs.
We cut through the confusion and help you take action. Whether it’s Income Protection, Health Insurance, or ACC CoverPlus Extra, we’ll help you put the right protection in place so you can focus on living, not worrying.
Sometimes it takes a story to show why getting covered matters.
| Cover Type | Outcome |
|---|---|
| Income Protection | Replaced 75% of her earnings while she recovered, allowing her to keep her business running part-time. |
| Health Insurance | Covered the full cost of surgery within two weeks, avoiding a public wait of more than 100 days. |
| ACC CoverPlus Extra | Provided consistent payments that reflected her true income, not last year’s lower earnings. |
Thanks to the right protection, Sarah didn’t have to drain her savings or close her business. Instead, she focused on recovery, not bills.
Accidents, illness, and unexpected life events don’t wait until you’re ready. Having the right protection in place can mean the difference between staying afloat and starting over.
You deserve advice that’s transparent, flexible, and built around real life not jargon or fine print. That’s what we deliver.
From day one, our focus has been on helping Kiwis feel confident about their money — and with 200+ five-star reviews, we’re proud to be doing just that.
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
