At Lighthouse Wealth, we are selective about the providers we bring to the table. We believe that professionals who have invested years in their education and expertise deserve a different class of protection - one that recognises their unique risk profile and rewards their loyalty.
Exclusive Protection for Specialists
Lighthouse Wealth works with Insurance Partners that prioritise exclusivity. We believe your insurance pool should reflect your professional standing.
By partnering with insurance providers who focus solely on a defined group of professionals – specifically those with a four-year degree and working in a sedentary role – we ensure our clients are part of a lower-risk group. This allows for:
Tailored Terms
Coverage designed specifically for the complexities of professional roles.
Selective Membership
Access is restricted to eligible professionals ensuring the integrity of the professional pool.
Associates
Professionals family members and key business associates can also benefit from this coverage.
A Share in the Success
We believe that when a company succeeds, its clients should too. Lighthouse Wealth seeks out companies that move away from the traditional “corporate-first” model in favour of Mutuality.
Through our relationship with PPS Mutual, our clients gain access to a unique Profit Share Benefit.
Ownership Mentality
Instead of profits going to external shareholders, they are shared back with the members.
Long-Term Value
As a member, you share in the long-term financial success of the business, turning a standard insurance premium into a participating financial interest.
Why this matters for you
We don’t just “sell insurance.” We curate partnerships with insurance providers that value specialised knowledge and reward long-term commitment. Lighthouse is one of few accredited advisers in New Zealand, we give you access to exclusive circles that can’t be purchased by the general public.
Types of personal insurance
Life insurance
Imagine your income disappearing overnight. Could your family keep the house, manage debts, or cover everyday costs?
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. Whether you want a one-time payment or an ongoing income stream, we can tailor it to suit your priorities.
Trauma cover
Surviving a major illness is not the end of the fight. Cancer, stroke, heart attack and other serious conditions disrupt life well beyond hospital walls.
Trauma cover gives you a lump sum on diagnosis, no questions asked. Use it for private treatment, time off work, mortgage payments, or simply to take the stress out of your recovery. It is your money to use when life gets serious. The benefit is paid directly to you, no receipts required.
Income protection
Your income is what pays for everything, so if illness or injury takes you out of work, what pays for your life?
Income protection replaces a portion of your income every month you are off work, helping you cover rent, groceries, subscriptions and all the usual. It gives you financial stability at a time when you have enough to worry about. Instead of scrambling to cover the bills, this cover helps you keep life moving.
Total and permanent disablement
If you were permanently unable to return to your profession, what would your life look like?TPD cover pays out a tax-free lump sum if you suffer a permanent disability, whether physical or cognitive. It can fund medical care, help with home modifications, allow you to retrain, or simply make sure your lifestyle is protected even if your income is not. It is not a cheerful subject, but it is a powerful safety net.
Disclaimer:
The information in this article is general information only, is provided free of charge and does not constitute professional advice. We try to keep the information up to date. However, to the fullest extent permitted by law, we disclaim all warranties, express or implied, in relation to this article – including (without limitation) warranties as to accuracy, completeness and fitness for any particular purpose. Please seek independent advice before acting on any information in this article.
