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Your qualifications and earning potential took years to build – yet most insurance isn't designed with that in mind. We work with specialist insurers who build cover for professionals like you.
General life and income insurance groups you with the entire population – every occupation and risk profile combined. This cover works the other way around: it's open only to degree-qualified Lawyers. That exclusivity means you're insured alongside other university-qualified professionals – a smaller, more selective group with similar risk profiles to your own.
Off-the-shelf policies rely on broad, generic definitions. This cover is built around professional occupations – recognising what an Lawyer's daily work looks like, whether you're employed, contracting, or running your own practice. That means the policy wording is designed to fit the reality of your day-to-day work and the unique nature of what you do.
Most insurers exist to return profit to external shareholders. This type of cover is member-owned – the people it insures are the people it answers to. Money that would otherwise leave as shareholder profit is instead kept working for members. It's a fundamentally different model: the insurer doing well works in your favour.
With standard insurance, if you never claim, the money's gone. This cover works differently: over time, members build a profit share benefit, paid from age 65, or earlier in the event of death or terminal illness. So beyond protecting your income when the unexpected happens, you may recoup some premiums if it doesn't, without the usual sunk-cost trade-off.
Getting a second opinion on your cover is simple, and there’s no obligation at any step.
Here’s what to expect from the moment you get in touch.
Share a few quick details and the best way to reach you, and an adviser will be in touch shortly.
As one of only a select few advisers nationwide qualified to advise on this cover, we'll explain what it looks like for your profession.
We'll check what you already have, spot any gaps, and lay out your options in plain English.
No sales pitch; your best interests come first and our team will make it clear what is right for you.
Callum Gilmour
Euan Jones
Leave your details and one of our advisers will be in touch to arrange a time that suits. It's a no-obligation conversation — a chance to understand your options and make sure your cover actually fits the way you work.
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 were very impressed by the professionalism and kindness showed by Michael Vincent and Vincent Connett who were incredibly helpful when we bought our first home this year. They were both extremely responsive to phone calls and emails and very patient explaining the process to complete newbies. We went from feeling that a home was out of reach to having a very manageable mortgage and a place of our own - couldn't be happier with the service we received and would recommend Lighthouse to anyone. We also had some great help around insurance and Kiwisaver from Callum Gilmour and Alex Revington so it was really a 1-stop shop for all things first time home buyer and the fact they are based in a different city didn't make any difference at all."
"We were very impressed by the professionalism and kindness showed by Michael Vincent and Vincent Connett who were incredibly helpful when we bought our first home this year. They were both extremely responsive to phone calls and emails and very patient explaining the process to complete newbies. We went from feeling that a home was out of reach to having a very manageable mortgage and a place of our own - couldn't be happier with the service we received and would recommend Lighthouse to anyone. We also had some great help around insurance and Kiwisaver from Callum Gilmour and Alex Revington so it was really a 1-stop shop for all things first time home buyer and the fact they are based in a different city didn't make any difference at all."
"We've had the pleasure of working closely with Callum and James from Lighthouse Financial Services, and the experience has been exceptional. They consistently delivered tailored financial solutions under significant time pressure while maintaining a high standard of professionalism and responsiveness."
"We've had the pleasure of working closely with Callum and James from Lighthouse Financial Services, and the experience has been exceptional. They consistently delivered tailored financial solutions under significant time pressure while maintaining a high standard of professionalism and responsiveness."
"Through our partnership, we've been able to introduce valuable staff financial wellbeing packages across Tūwharetoa ki Kawerau Hauora. What has stood out most is their genuine commitment to our people—their willingness to take the time to answer complex questions, provide ongoing support, and ensure our staff feel informed and empowered."
"Through our partnership, we've been able to introduce valuable staff financial wellbeing packages across Tūwharetoa ki Kawerau Hauora. What has stood out most is their genuine commitment to our people—their willingness to take the time to answer complex questions, provide ongoing support, and ensure our staff feel informed and empowered."
"Their approach aligns strongly with our kaupapa of supporting the hauora of our workforce. They understand that financial well-being is an important part of overall well-being, and they have been a trusted partner in helping us strengthen that aspect of care for our team."
"Their approach aligns strongly with our kaupapa of supporting the hauora of our workforce. They understand that financial well-being is an important part of overall well-being, and they have been a trusted partner in helping us strengthen that aspect of care for our team."
"I highly recommend Lighthouse Financial Services to any organisation looking for knowledgeable, responsive, and people-centred financial advisors. "
"I highly recommend Lighthouse Financial Services to any organisation looking for knowledgeable, responsive, and people-centred financial advisors. "
"We have enjoyed and appreciated working with these guys over the last four years across the mortgage and insurance arms of their business. They've always been quick to respond, willing (and able) to explain concepts, and did what they said they'd do. No hesitation recommending them to others. A big thanks to the team, particularly Michael V, Vinny C, and Callum G."
"We have enjoyed and appreciated working with these guys over the last four years across the mortgage and insurance arms of their business. They've always been quick to respond, willing (and able) to explain concepts, and did what they said they'd do. No hesitation recommending them to others. A big thanks to the team, particularly Michael V, Vinny C, and Callum G."
"We used Callum for our insurances review recently, and he was a great source of knowledge and listened well to us and ultimately got the best policies for us that best suits our current needs and requirements. Couldn’t recommend the Lighthouse Wealth team enough for their professionalism, speedy response and just all around wealth of knowledge! "
"We used Callum for our insurances review recently, and he was a great source of knowledge and listened well to us and ultimately got the best policies for us that best suits our current needs and requirements. Couldn’t recommend the Lighthouse Wealth team enough for their professionalism, speedy response and just all around wealth of knowledge! "
"Great, integrated service across the team. Callum Gilmour reviewed mine and my husband's medical insurance and was faultless. He saved us a lot of money whilst achieving the cover we needed. Jess Hargreaves was also excellent at providing a life-changing financial plan. She listened and understood what we needed. Very professional, easy to deal with, and with pro-active follow-up."
"Great, integrated service across the team. Callum Gilmour reviewed mine and my husband's medical insurance and was faultless. He saved us a lot of money whilst achieving the cover we needed. Jess Hargreaves was also excellent at providing a life-changing financial plan. She listened and understood what we needed. Very professional, easy to deal with, and with pro-active follow-up."
"Callum has been an absolute star—his knowledge and patience have been fantastic. It’s been a real pleasure working with him. Thank you, Callum, for all your work."
"Callum has been an absolute star—his knowledge and patience have been fantastic. It’s been a real pleasure working with him. Thank you, Callum, for all your work."
"We had an excellent experience working with Euan from Lighthouse Financial. He was incredibly helpful, professional, and always to the point throughout the entire process. Euan did all the homework to make sure we received the right insurance cover within our parameters and budget, which gave us great confidence and peace of mind."
"We had an excellent experience working with Euan from Lighthouse Financial. He was incredibly helpful, professional, and always to the point throughout the entire process. Euan did all the homework to make sure we received the right insurance cover within our parameters and budget, which gave us great confidence and peace of mind."
"He was very supportive from start to finish, kept us informed at every step, and always stuck to the agreed timeframes. His knowledge, efficiency, and genuine commitment to finding the best solution for us really stood out."
"He was very supportive from start to finish, kept us informed at every step, and always stuck to the agreed timeframes. His knowledge, efficiency, and genuine commitment to finding the best solution for us really stood out."
"We highly recommend Euan to anyone looking for trustworthy and professional insurance advice. "
"We highly recommend Euan to anyone looking for trustworthy and professional insurance advice. "
"I recently had the pleasure of dealing with Euan Jones @ Lighthouse Financial. Euan is incredibly knowledgeable and practical to work with, finding solutions and recommending products that will provide you with the best cover at prices you are actually comfortable with!. It's so important to adjust your cover as you age and Euan is really adept at being considerate, respectful and comfortable in discussing your individual and private information, to then work with insurers to secure you appropriate and comprehensive cover. I have no hesitation in recommending Euan's, and the wider Lighthouse team's, services."
"I recently had the pleasure of dealing with Euan Jones @ Lighthouse Financial. Euan is incredibly knowledgeable and practical to work with, finding solutions and recommending products that will provide you with the best cover at prices you are actually comfortable with!. It's so important to adjust your cover as you age and Euan is really adept at being considerate, respectful and comfortable in discussing your individual and private information, to then work with insurers to secure you appropriate and comprehensive cover. I have no hesitation in recommending Euan's, and the wider Lighthouse team's, services."
"Excellent advice, proper explaining and custom made recommendations that suits our situation. We were very impressed with every interaction!! Thank you!! "
"Excellent advice, proper explaining and custom made recommendations that suits our situation. We were very impressed with every interaction!! Thank you!! "
"Euan was fantastic in arranging additional insurance for me. He made the process incredibly smooth and time efficient, and the cover was in place really promptly. I would highly recommend Euan to anyone."
"Euan was fantastic in arranging additional insurance for me. He made the process incredibly smooth and time efficient, and the cover was in place really promptly. I would highly recommend Euan to anyone."
"I had a good experience working with Euan. He was very helpful, provided clear and well thought out advice, and came up with practical ways to optimise our insurance cover while reducing overall cost. Would recommend Lighthouse to anyone looking for quality financial advice. "
"I had a good experience working with Euan. He was very helpful, provided clear and well thought out advice, and came up with practical ways to optimise our insurance cover while reducing overall cost. Would recommend Lighthouse to anyone looking for quality financial advice. "
"Euan took the time to thoroughly understand my specific insurance requirements and ensuring nothing was overlooked. He then provided clear, tailored recommendations on the most appropriate coverage options, and explained them in a way that was easy to understand. He actively worked through a few tricky conditions related to my cover, finding effective solutions. Furthermore, his communication was excellent; I received regular updates on the progress of my application, keeping me fully informed every step of the way. He made getting insurance a smooth and successful experience, thank you! "
"Euan took the time to thoroughly understand my specific insurance requirements and ensuring nothing was overlooked. He then provided clear, tailored recommendations on the most appropriate coverage options, and explained them in a way that was easy to understand. He actively worked through a few tricky conditions related to my cover, finding effective solutions. Furthermore, his communication was excellent; I received regular updates on the progress of my application, keeping me fully informed every step of the way. He made getting insurance a smooth and successful experience, thank you! "
"We had Euan give us a call in regards to some life insurance policies. He was amazing at getting us a really good deal. 2 weeks before we had already sign up another insurance company and when Euan came back it was basically totally all in our favour. Was cheaper, double return than the other insurance and it was all done over the phone.... easy as that! Great service to have and you have options thank you. "
"We had Euan give us a call in regards to some life insurance policies. He was amazing at getting us a really good deal. 2 weeks before we had already sign up another insurance company and when Euan came back it was basically totally all in our favour. Was cheaper, double return than the other insurance and it was all done over the phone.... easy as that! Great service to have and you have options thank you. "
