We provide simple, effective services that leave our clients with more time to do what they do best.
Let us be your go-to for all things business, investments and property. Take a look at our helpful podcasts, webinars, articles, guides and more.
Your income supports your home, family and lifestyle. Income protection can help replace part of your earnings if illness or injury keeps you from working. At Lighthouse Financial, we compare leading New Zealand insurers and help you find cover that fits your needs and financial commitments.
Many people insure their homes and cars but overlook the income that pays for them. If illness or injury stops you working, income protection can provide ongoing support so you can focus on recovery, not the bills.
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, who ends up off work for six months or more. Within four weeks, 55% of those households can no longer pay their bills or maintain their lifestyle.
74,000 Kiwis have been waiting more than four months just to see a specialist, a 45% increase since mid-2023. That is months of uncertainty for 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 surgery. Private health insurance can help cut that wait dramatically.
Many people assume they'll never need income protection, that they can self-insure from savings, or that the right cover will cost too much. In reality, very few people can self-insure against months out of work, and some cover is far better than none, so planning ahead means support is already there if life takes an unexpected turn.
Receive financial support that helps replace a portion of your income while you're unable to work.
Continue paying your mortgage, rent and everyday living expenses during recovery.
Choose waiting periods, benefit periods and policy options that reflect your occupation and financial commitments.
We compare income protection from leading New Zealand insurers to help you find cover that suits your needs.
Speak with an advisor and discover how tailored financial advice can give you clarity and confidence.
Many people assume they'll never need income protection, that they can self-insure from savings, or that the right cover will cost too much. In reality, very few people can self-insure against months out of work, and some cover is far better than none, so planning ahead means support is already there if life takes an unexpected turn.
Receive financial support that helps replace a portion of your income while you're unable to work.
Continue paying your mortgage, rent and everyday living expenses during recovery.
Choose waiting periods, benefit periods and policy options that reflect your occupation and financial commitments.
We compare income protection from leading New Zealand insurers to help you find cover that suits your needs.
Income protection isn’t one-size-fits-all. At Lighthouse Financial, we take the time to understand your occupation, financial commitments and goals, compare policies from leading insurers, and help you choose cover that suits your situation and gives you confidence in your financial protection.
Don’t know where to start, have existing cover,
or want to reduce your cover? We’re happy to help.
• Helps replace a portion of your income while you cannot work.
• Supports your household throughout your recovery.
• Helps cover mortgage repayments and everyday living expenses.
• Complements ACC by providing cover for many illnesses.
• Helps replace part of your income if illness or injury stops you from working.
• Flexible cover options tailored to occupation, financial commitments and needs.
• Helps you keep up with your mortgage, bills and living costs.
Sometimes it takes a story to show why getting covered matters.
| Protection Need | How This Cover Helped |
|---|---|
| Income Replacement | Replaced part of Mark’s regular earnings while he was unable to work. |
| Household Expenses | Helped him continue meeting mortgage payments and everyday living costs during recovery. |
| Financial Stability | Reduced the pressure to return to work too soon, giving him time to focus on his health. |
Thanks to the right protection, Mark could focus on getting better without worrying about how he would keep up with everyday expenses.
Your income pays for your home, lifestyle and everyday expenses. Protecting it can make a significant difference if illness or injury prevents you from working.
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."
