Personal Insurance Advice & Financial Risk Analysis
We don’t just sell policies. We build a "Resilience Blueprint" to ensure that if you get sick or injured, the mortgage gets paid, the lights stay on, and your lifestyle survives.
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.
Our Financial Stress Test Service: Calculations & Needs Analysis
We don’t guess. We simulate. This isn't a sales process; it's a strategic "stress test" for your financial life to see exactly where you stand.
Step 1: The 'What If' Simulation
We run the numbers on your specific household expenses. If your income stopped tomorrow due to illness, exactly how long would your savings buffer last? 3 weeks? 3 months? We find the breaking point before it happens.
Step 2: Finding the right insurer
With access to NZ’s leading insurance providers we can quickly compare and quote multiple different companies highlighting their different strengths and weaknesses.
We will make choosing a provider simple.
Step 3: Budget Sensible Protection
We engineer the cover to fit your budget. We know cost is king. We use smart policy structuring to get you maximum protection without breaking the bank. The key is – you get to make an ‘informed’ decision.
Step 4: The Jargon-Free Blueprint
You walk away with a clear, simple plan. No confusing terms, just a roadmap to resilience. Ready to proceed with the plan? We can then move you to our New Insurance Application Service to get your policy issued quickly.
Step 5: Review and Repeat
Our service doesn’t stop once your policy is in place. Your life changes – your protection should change with it. We will be your advocate for the long term whether that’s getting your claims paid or making sure your policy is always working for you.
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 professional negotiator 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.
FAQ Risk Protection
Yes. ACC is world-class for accidents (like falling off a ladder), but it provides zero cover for illness. Statistically, you are far more likely to be off work for an extended period due to illness (cancer, stroke, heart issues, mental health) than an accident. We cover the gap ACC leaves behind.
This is a key part of our advice. We build to your budget. We can adjust waiting periods (e.g., waiting 8 weeks before a claim starts instead of 4) to drastically reduce your premiums while still protecting you from long-term financial ruin. Something is always better than nothing.
Absolutely. This service is designed for planning. Our goal is to give you clarity and a blueprint. Whether you implement it today or in six months is entirely up to you.
To respect your time. We need to understand your goals before we book a full strategy session. It’s a quick "chemistry check" to see if we’re the right fit to help you.
Let’s Grab a Coffee (or a Butter Chicken).
I know talking about insurance isn't most people's idea of a fun Tuesday. But I promise to keep it light, honest, and jargon-free.
Whether you're a first-home buyer, a business owner, or just someone wondering if you're exposed, book a 15-minute chat. No sales pressure, just a good conversation with a guy who wants to see you win.