OnPoint Advice
Licensed NZ Financial Adviser
Most NZ business owners have no safety net. Find out what personal cover you actually need - life, income protection, trauma, and health.
We compare cover from 14+ NZ insurers including
No sick leave, no employer cover, no safety net. If you're off work for 3 months, who pays your mortgage, your staff, and your suppliers?
ACC only covers accidents - not illness. A cancer diagnosis, heart attack, or mental health condition won't trigger an ACC payout.
Most business owners put their business first and their own cover last. By the time they need it, it's too late to get it.
“Hi, I'm Letisha - I help NZ business owners get better finance rates and the right cover. Here's how it works.”
Video coming soon - 30-second intro
We work through your income, debts, and dependants to figure out exactly how much cover you need - tailored to your situation.
AIA, Partners Life, Fidelity Life, Asteron, nib - we compare them all and recommend the best fit, not just the cheapest.
Your life changes - your cover should too. We review your policies annually to make sure they still match your needs.
“I was diagnosed with bowel cancer at 42. My trauma cover paid out $200k and meant I could focus on treatment instead of worrying about the business.”
Rachel M.
Business owner, Tauranga
“Letisha helped us see the gap between what ACC covers and what we'd actually need. It was a real eye-opener.”
Tom & Lisa W.
Husband-and-wife plumbing business, Dunedin
If you can't work, your business can't earn. Personal insurance - life cover, income protection, trauma, and health - protects you and your family if something unexpected happens.
Life insurance pays a lump sum if you die or are terminally ill. Income protection replaces a portion of your income (usually 75%) if you're unable to work due to illness or injury. Most business owners need both.
Claims happen to healthy people too. ACC doesn't cover illness, and most NZ business owners have no sick leave. A serious diagnosis without cover can force you to sell your business or burn through savings.
It depends on your income, debts, dependants, and business structure. Letisha will work through a needs analysis to recommend the right level - no more, no less.
Yes. As a financial adviser, Letisha is typically paid by the insurer - not by you. There's no cost and no obligation for a conversation.
Get a free needs analysis from Letisha. She'll compare all major NZ insurers and call you within 2 minutes.
Get my free needs analysis