Insurance
Protect What Matters Most – With Advice You Can Trust
Whether you’re looking to protect your loved ones, your income, or your assets, our advisers make insurance simple. We help you get the right cover – not just any cover.
Here’s how we support you:
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Life Insurance
Protect your family’s future in case the unexpected happens. We’ll help you choose a policy that balances affordability with the peace of mind your loved ones deserve. -
Health Insurance
Avoid long wait times and get access to private treatment. We compare leading providers to find the right plan for your health, lifestyle, and budget. -
Income Protection
If illness or injury stops you from working, income protection helps cover the bills. We tailor policies based on your income, profession, and how long you want to be covered. -
Mortgage Protection
Keep your home safe even if your income changes. Mortgage protection ensures your loan repayments are covered when life throws a curveball. -
Trauma & Total Permanent Disability (TPD)
Get a lump sum payout if you're diagnosed with a serious condition like cancer or stroke, or suffer a permanent disability. We’ll guide you through what's covered and how much you may need.
We only recommend policies that match your needs – no upselling, no jargon, just smart advice and support when you need it most.
Life Insurance
Protect the People You Love Most
If something happened to you, could your family stay in the home? Pay the bills? Continue their lifestyle?
Life insurance provides a financial safety net – so your loved ones are looked after, even if you’re no longer there to do it yourself.
Here’s how we help:
- Compare top-rated NZ insurers to get you the best value
- Recommend the right type and amount of cover for your needs
- Explain the differences between term life, mortgage cover, and funeral benefits
- Set up ownership and beneficiaries correctly from the start
- Review your policy over time to keep it relevant
You’ll get tailored advice, not a one-size-fits-all plan – and the peace of mind that your family’s future is protected.
Trauma Cover
Drive Away with a Better Deal – Fast, Flexible Car Finance Starts Here
Whether you’re buying your dream car, upgrading the family vehicle, or refinancing a high-interest loan, we make vehicle finance easy. With access to top lenders and expert guidance, we’ll help you secure a loan that fits your needs – not just the dealership’s.
Here’s how we help:
- Access competitive interest rates from trusted lenders
- Fast pre-approvals so you can buy with confidence
- Flexible loan terms that suit your budget and lifestyle
- Support for all credit types - even if your history isn’t perfect
- Refinancing options to reduce repayments or change lenders
- Expert advice on loan structure, deposits, and add-ons
We can even help if you’re self-employed or new to borrowing. You tell us your goals – we’ll find the most cost-effective, stress-free way to get you on the road.
Total & Permanent Disability (TPD) Cover
Flexible Finance for Life’s Big Moments – Minus the Stress
Whether it’s for a wedding, travel, education, home upgrades, or consolidating debt, a personal loan can help you move forward – without tying up your mortgage or credit cards.
At Innovest, we take the guesswork out of borrowing. We help you understand what’s available, what it really costs, and how to structure your loan so it works for you.
Why choose a personal loan through Innovest?
- Clear, competitive interest rates - no hidden surprises
- Access to a wide range of lenders for different needs and credit profiles
- Fast approvals and personalised advice
- Help with complex situations, including self-employed or joint applicants
- Options to consolidate debt and simplify your repayments
- No pushy upsells - just smart, transparent guidance
We focus on what works for your goals – not what earns the highest commission.
Mortgage Protection Cover
Protect Your Home – Even If Your Income Stops
Your mortgage is probably your biggest monthly expense. If illness, injury, or redundancy leaves you unable to work, mortgage protection ensures your repayments are covered – so you can stay in your home and focus on recovery.
Here’s how we help:
- Compare mortgage protection vs. income protection options
- Find cover that suits your repayment size, income, and work type
- Explain waiting periods, benefit durations, and exclusions
- Work with lenders to ensure your protection meets mortgage requirements
- Structure policies to align with your broader financial plan
We’ll help you set up smart, affordable cover that protects the roof over your head – even when life doesn’t go to plan.
Income Protection Cover
If You Can’t Work, Your Income Doesn’t Have to Stop
Your ability to earn is your most important asset. Income protection pays you a monthly benefit if illness or injury stops you from working – helping you stay on top of your bills, your mortgage, and your lifestyle.
Here’s how we help:
- Tailor the benefit amount, waiting period, and payment term to fit your needs
- Compare providers for price, definitions, and reliability
- Help self-employed, contractors, and business owners structure policies properly
- Explain the difference between agreed value and indemnity cover
- Review your cover over time as your career and income evolve
We make sure your policy reflects your real risk – without overpaying or being underinsured.
Health Insurance
Skip the Waitlists. Get the Care You Need – When You Need It.
Public healthcare is great – until you’re waiting months for surgery. Health insurance gives you access to private treatment, specialist care, and shorter wait times – so you can take control of your health.
Here’s how we help:
- Compare leading NZ health insurance providers
- Help you choose the right level of cover: surgical, specialist, hospital, or full
- Tailor policies for individuals, couples, or families
- Explain excesses, exclusions, and pre-existing condition rules
- Balance affordability with the protection that really matters to you
Whether you’re switching providers or starting from scratch, we’ll guide you to a plan that fits your health needs and budget – without the jargon.
House, Content & Car Insurance
Protect What Matters Most, Every Day
Your home, your belongings, and your vehicle are more than just assets – they’re part of your everyday life. We help you insure them properly, without confusion or complexity.
House Insurance
Your home is likely your biggest investment – and the right cover gives you confidence it’s protected from the unexpected.
We help you:
- Get the right sum insured for full rebuild costs
- Understand what’s covered and what’s not, without the jargon
- Compare policies across trusted NZ insurers
- Ensure your policy meets your lender’s requirements
- Review and update your cover when your home or needs change
Whether you’re buying your first home, upgrading, or refinancing, we’ll make sure your house insurance works alongside your mortgage.
Contents Insurance
Your belongings are worth more than you think – and replacing them after a fire, flood, or burglary can be costly. Contents insurance helps you bounce back faster.
We’ll help you:
- Cover everything from furniture to electronics and valuables
- Understand how replacement value and indemnity cover differ
- Choose the right excess and limits for your lifestyle
- Make sure your policy is suitable whether you’re renting or owning
If your home was turned upside down tomorrow – would you be covered? Let’s find out.
Car Insurance
From minor dings to major accidents, car insurance keeps you (and others) protected on the road. We make sure your policy actually delivers when it counts.
We’ll help you:
- Compare third-party, third-party fire & theft, and full cover options
- Understand what affects your premiums - and what doesn’t
- Choose the right policy if you have young drivers or multiple vehicles
- Simplify the claims process and explain optional add-ons clearly
You rely on your car – and we’ll help you rely on your insurance, too.
Business Insurance
Protect Your Business from the Unexpected – and Keep Things Moving
Whether you’re running a small operation or a growing company, business insurance helps you stay resilient when challenges arise. From property damage to liability claims, we help you put the right protections in place – so you can focus on running your business with confidence.
Here’s how we help:
- Public Liability Insurance
Covers your business if you accidentally cause injury or property damage to others. Essential for trades, services, and client-facing businesses.
- Commercial Property Insurance
Protects your building, contents, stock, and equipment against damage, theft, or disaster – including fire and floods.
- Professional Indemnity Insurance
Shields you if a client claims your advice or service caused them a financial loss. Ideal for consultants, advisers, and service-based professionals.
- Business Interruption Insurance
Replaces lost income if your operations are disrupted by an insured event – so you can cover expenses and recover without derailing your goals.
We tailor insurance packages that reflect the real risks in your industry – without unnecessary extras. And we’ll walk you through what’s covered, what’s not, and where you may be exposed.