Life insurance and health protection policies provide vital financial support when life takes an unexpected turn.
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.
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.
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.
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.
Public healthcare is reliable but often slow. Medical cover gives you access to private hospitals, faster diagnostics and top surgeons, without the wait.
You can choose your provider, schedule, and even get access to Medsafe-approved non-Pharmac medications that would otherwise cost tens of thousands. Whether it is surgery, imaging or post-op rehab, this cover helps you get back on your feet faster, without draining your savings.
Injury cover pays you a fixed cash benefit if you suffer a specific listed injury such as a fracture or major burn.
It is designed to fill the gap before your income protection kicks in, especially if you have a wait period. Benefits range from 1 to 12 months’ worth of cover, depending on severity. There are no offsets or delays. Just a clear benefit paid straight to you so you can recover without rushing back to work.
Insurance Services
We use our expertise to guide the way to wealth and prosperity through business, investing and property
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."
1. A Lighthouse team member will reach out to see which of our Mortgage, Property, Wealth, or Accounting services best suits your needs.
2. You’ll be matched with a specialist who best understands your situation.
3. With their guidance, you’ll take the next steps toward securing the right financial solution for you.
