Overpaying, underinsured — or not covered at all?

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. Or maybe you've never had proper cover at all, and you're quietly hoping "she'll be right."

Either way, the same free review answers it: we audit what you have, stress-test what you'd actually need, and benchmark it all against the market.

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.

I don't just calculate risk. I've lived through it. Hi, I'm Rory McSweeney.

In the insurance industry, most advisers talk about "what if" scenarios based on spreadsheets. For me, overcoming the odds has been my life's work.

From losing my leg at age three to standing on the podium as a Bronze Medalist at the Rio 2016 Paralympics, I learned early that life is unpredictable—but with the right support, you can handle anything.

My philosophy is simple: Don't sweat the small stuff, but protect the big stuff.

I'm not here to sell you a product; I'm here to build the safety net I know every Kiwi deserves. When we work together, I bring the same discipline I took to the Paralympics to protecting your financial future.

The Risk of Underinsurance: Why "She'll Be Right" Fails

Most New Zealanders have a blind spot when it comes to risk. We rely on two dangerous assumptions that leave families exposed:

1. The "ACC Myth"

"If I get sick, the government will look after me."

Here is the hard truth: ACC is fantastic, but it only covers accidents. It pays $0 if you get cancer, suffer a heart attack, or need time off for mental health or burnout—the very things that cause most long-term work absences. We calculate exactly what you need to fill that gap so your income doesn't stop just because your health does.

2. The "Golden Goose" Problem

You insure the Golden Egg, but not the Goose.

98% of Kiwi homeowners insure their house (the Golden Egg) because the bank tells them to. But only about 20% insure their income (the Goose). Your ability to earn an income is an asset worth millions over your lifetime. We make sure the "machine" that pays the mortgage is just as protected as the house itself.

Affordable Insurance Planning: A Budget-First Approach

We know the cost of living is biting. Interest rates are up, and groceries aren't getting cheaper. Many people avoid advice because they fear being sold an expensive policy they can't afford.

That isn't how we operate.

Our job isn't to sell you the "Ferrari" of policies if you only need a "Toyota." We focus on Cost Efficiency.

• Real World Example: We recently reviewed a client's situation and, by restructuring their policy to fit their actual life stage and removing unnecessary fluff, we saved them $9,000 over 12 months while keeping their core protection rock solid.

Whether you need to cut costs without cutting safety, or you're starting from scratch, we fit the plan to your wallet—not the other way around.

We Don't Just Set It Up. We Show Up.

There is a common myth that "Insurance is a scam" and companies try to dodge claims. The truth is, insurance is a legal contract, and you need an expert who knows the fine print better than they do.

Case in Point:

I recently worked with a client who had a legitimate claim declined by their insurer. I didn't accept "no" for an answer. I made a case for my client, challenged the insurer's interpretation, and overturned the decision—securing a $21,000 payout for that family at a crucial time.

When you work with me, you aren't just buying a piece of paper; you're gaining a personal advocate who fights for your financial wellbeing when it matters most.

Who Is This For?

• The First Home Buyer: You just took on massive debt. Let's make sure you never lose the house, even if you lose your income.
• The Young Family: You have dependents who rely on you. Let's make sure their future is secure, no matter what happens to you.
• The Business Owner: You are the key asset. Let's protect your revenue and your ability to keep operating.