09 Jul 2025

Do you need an insurance adviser?

Insurance can be difficult to talk about or understand, but you don’t have to figure it out by yourself. An Insurance Link adviser is there to walk you through it, without the jargon or the stress.

Insurance can be difficult to talk about or understand. Many Kiwis are interested(1) in personal insurance, but don’t quite know where to start.

The good news is, you don’t have to figure it out by yourself. An Insurance Link adviser is there to walk you through it, without the jargon or the stress.

So, what does an insurance adviser actually do?

Think of us as your go-to expert for all things personal and business insurance in New Zealand. Our job is to help you make sense of what’s available, what may be worth considering, and what’s probably not.

We take the time to understand your situation in detail: your job, your family, your finances, your future plans. Then, we’ll recommend cover that’s appropriate for your most likely risks – whether that’s one type of policy or a mix.

As independent insurance advisers, we’re not tied to just one provider. We work with most of them. That means we can compare a range of options and help you find the right fit.

Four key benefits of working with an insurance adviser

You could go it alone, and some people do. But here’s why most of our clients are glad they didn’t:

  • Tailored insurance advice – Not all policies are created equal. Your Insurance Link adviser helps you find the ones that actually suit your needs, now and in the future.
  • Access to multiple providers – Unlike going straight to one insurer, independent advisers can compare quotes, options and product suitability across the market, including key benefits for the client.
  • Ongoing support – Life changes, and so may your insurance needs. So, we offer regular reviews to make sure your cover keeps up with you.
  • Help at claim time – If anything happens and you need to claim, your Insurance Link adviser is there to support you through the whole claims process. This provides invaluable peace of mind when dealing with extensive paperwork during an already stressful time.

The bottom line? Insurance advice is not just about “buying a product”. It means knowing you have the right protection in place, and someone to turn to if life throws you a curveball.

What happens when we work with you?

It all starts with a conversation. We’ll ask you about your lifestyle, your financial commitments and what you value most – so we can get a full picture of your needs.

From there, we’ll explore a range of insurance options and provide our recommendations, talking you through it in plain English. We’ll explain what each policy does (and doesn’t) cover, how much it might cost, and why it makes sense for your situation.

Once you’re comfortable with your choice, we’ll take care of the paperwork and get your cover set up. And over time, we’ll be here whenever you have a question or want to update your policy.

Remember – we're with you for the long haul.

Ready to take the guesswork out of financial protection?

If you’d like to talk to someone who’ll listen, simplify insurance and guide you through it all – get in touch with your local Insurance Link adviser. We’re here to help. 

Sources:

  1. Financial Services Council - The Perception Gap and Life Insurance (2024)

 

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current development or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek financial advice.

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