Insurance Policy Review & Market Comparison
A Free, Independent Audit — Find the Gaps, Stop Overpaying.
Your Life Has Evolved. Has Your Protection?
That policy you "set and forgot" five years ago is likely broken. Your life has changed—you may have a bigger mortgage, a new child, a growing investment portfolio, or a business that's finally taking off—but your cover has stayed the same.
You could be paying for a policy that won't actually protect you, or you could be paying too much for cover you no longer need.
Independent Insurance Audit: Don't Just Renew.
Think of your insurance like your car. You'd never drive it for five years without a single service or Warrant of Fitness, right? You'd want a mechanic to check the brakes, top up the oil, and make sure it's still safe to be on the road.
Your insurance is no different.
My job is to be your trusted mechanic. I'll pop the hood on your existing policies, run a full diagnostic, and tell you exactly what's working and what isn't.
My philosophy is built on Simplicity, Transparency, and Trust. Sometimes, your old policy is still the best one for you. If it is, I'll tell you to keep it. But if it's not, I'll show you why—in simple, digestible language, not jargon.
The Details
We believe in 100% transparency. Here's what you can expect from a Policy Review.
Your Insurance Review: Benchmarked & Gaps Analysed
We follow a strategic process to ensure your cover is cost-effective and perfectly aligned with your current needs.
The Diagnostic Check
We start with a deep dive into your existing policies. We identify exactly what you're covered for, what's excluded, and how much you're paying.
The Market Benchmark
We compare your current policies against the latest offerings from New Zealand's top providers (like Partners Life, AIA, Fidelity Life, etc.).
Identify Gaps & Savings
We present a simple report showing you where your current policy has gaps (e.g., "Your income protection stops after 2 years, but your mortgage is 30 years"). We'll also highlight potential savings.
Your Action Plan
We provide a clear set of options: Keep it, Upgrade it, or Switch it. Our advice is unbiased and data-driven.
The Seamless Switch
If you decide to make a change, we manage the entire process—from the new application to cancelling your old policy—ensuring you are never uninsured during the transition.
How We Saved a Client $9,000 on Insurance
A real example of what a proper policy review can uncover — Rory walks through the audit that cut a client's premiums by $9K over 12 months while keeping their core protection rock-solid.
Reviewing Personal, Business, and Health Insurance Policies
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For Your Personal Policies
"I've had a baby or a bigger mortgage since I got my cover." Your old Life or Income Protection policy may be dangerously out of date. We'll review it to ensure your cover matches your new family and financial commitments.
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For Your Business Policies
"My shareholder agreement has changed, but has my insurance?" An out-of-date policy can make your buy-sell agreement useless. We'll review your Key Person and Shareholder cover to ensure it's still fit for purpose and legally sound.
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For Your Health Policies
"Am I overpaying for my health insurance?" We'll review your personal or group health plan, check your pre-existing conditions, and compare your premiums and benefits against the market to ensure you have the best value.