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Life is unpredictable, but the right cover can help protect the people who rely on you. At Lighthouse Financial, we compare life insurance from New Zealand’s leading providers and recommend cover that suits your family, goals and budget.
Protecting Your Family Starts With Planning Ahead. Most people believe serious illness or unexpected loss won’t happen to them until it does. The financial impact of losing a loved one’s income can be overwhelming. Having appropriate life insurance helps provide certainty during one of life’s most difficult moments.
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 delay organising life insurance because they think it is expensive, confusing or something they will get around to later. In reality, very few people can comfortably self-insure against a large claim, and cover is often simpler to arrange than expected, especially with expert guidance.
Protect the people who rely on you with financial support that can help cover debts, replace lost income and provide long-term security.
Help ensure your mortgage can still be managed if your family loses your income.
Give your partner and children financial stability while they adjust to life's unexpected challenges.
We compare policies from leading New Zealand insurers, including Asteron, AIA, Fidelity Life, Chubb, PPS Mutual and Partners Life, to help you find the right cover, not just one provider's product.
Life insurance isn't one-size-fits-all.
Your age, family situation, income, mortgage, health and long-term goals all influence the type and amount of cover that may be appropriate. Even if you already have cover in place, it's worth a review. Situations change over time, and existing policies can carry exclusions or loadings you may not be aware of, so it pays to check that what you're paying for is still right for you.
Rather than recommending a single insurer, we compare policies from New Zealand's leading providers to help you make an informed decision with confidence.
Many people delay organising life insurance because they think it is expensive, confusing or something they will get around to later. In reality, very few people can comfortably self-insure against a large claim, and cover is often simpler to arrange than expected, especially with expert guidance.
Protect the people who rely on you with financial support that can help cover debts, replace lost income and provide long-term security.
Help ensure your mortgage can still be managed if your family loses your income.
Give your partner and children financial stability while they adjust to life's unexpected challenges.
We compare policies from leading New Zealand insurers, including Asteron, AIA, Fidelity Life, Chubb, PPS Mutual and Partners Life, to help you find the right cover, not just one provider's product.
Life insurance isn’t one-size-fits-all. We compare policies from New Zealand’s leading providers and help you find cover that suits your family, finances and future, so you can make a confident, informed decision.
Don’t know where to start, have existing cover,
or want to reduce your cover? We’re happy to help.
• Helps keep your family in their home and community.
• Helps fund your children's education and everyday needs.
• Gives greater financial certainty during a difficult time.
• Offers flexible cover options based on your needs.
• Provides a financial safety net when your family needs it most.
• Helps protect savings and long-term financial plans.
• Can reduce the need to sell assets or make major lifestyle changes.
• Gives your loved ones greater financial stability for the future.
Sometimes it takes a story to show why getting covered matters.
| Cover Type | Outcome |
|---|---|
| Life Insurance | Provides a lump sum to help repay the mortgage and support ongoing household expenses if either James or Emma passes away. |
| Mortgage Protection | Helps reduce the financial pressure of home loan repayments, allowing the family to remain in their home. |
| Family Protection | Provides additional financial support to help cover childcare, everyday living costs and future family needs. |
Thanks to the right protection, James and Emma can feel confident their mortgage, everyday expenses and growing family are financially supported if the unexpected happens.
Life can change without warning. Having the right life insurance in place can help protect your family, your home, and your financial future when the unexpected happens.
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."
