Personal Insurance

Life, Health, Mortgage & Income, TPD, and Trauma Insurance

At Stellar Advice, your priorities are our priority. We craft a bespoke personal insurance plan tailored to fit your needs, goals and budget .

Life insurance helps to secure your family’s financial future if you were to pass away.
A life insurance policy can help those left behind clear debt or a mortgage, pay for things like a funeral or future schooling, as well as everyday expenses.
May suit: Home Buyers, New Parents, Retirees
With an ever-increasing burden on the public system, many Kiwi’s are turning to medical insurance to get access to the treatment they need.
Cover is available for everyday health expenses, as well as the larger things like cancer treatments, non-PHARMAC drugs, and surgeries.
May suit: New Parents, Soon-to-be Retirees, Young Adults
Mortgage Cover and Income protection are forms of insurance that give you an ongoing monthly payment to help replace your income or cover your mortgage if you’re ill or injured and can’t work.
This cover is often set up to work in tandem with ACC payments which only apply if you’re hurt due to an accident, not if you’re ill.
May suit: Working adults, Home Buyers, Parents
Trauma Insurance provides a lump sum payment if you are diagnosed with a covered serious medical condition. This can be used to cover living expenses, treatment costs, and/or travel expenses.
Trauma Insurance can work with your private health cover and Income Protection to let you focus on getting better without a financial burden.
May suit: Working Parents, Home Buyers, Young Adults
Total and Permanent Disability Cover (TPD) provides a lump sum payment if you can’t work again due to illness to injury.
TPD cover allows you the time to figure out what’s next if you can no longer continue in your career.
May suit: Working adults
Level Premiums aren’t a type of insurance, but a way to set up your premiums to save money over time.
Similar to fixing your mortgage interest rate, this can keep your premium payments consistent over time.

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This information and all information on our website is intended to give an overview of the services we provide and does not constitute financial advice. Your individual circumstances and insurance needs may differ. Please seek advice based on your needs.

"We came away feeling very confident that we had the right protection in place. We’d happily recommend James to anyone looking for an insurance adviser who is knowledgeable, genuine and genuinely cares about getting the right outcome for his clients!!!"

Scott, Personal & Business Client
"James really took the time to understand us, our lives and where we want to be. He worked hard to ensure we were appropriately insured - not over or under insured. It made such a difference to our future planning and we feel much better set up."

Bridget, Personal Insurance Client
“James took the time to understand our needs in order to provide us the best cover. Good delivery in terms of time and service."

Alex, Business Insurance Client
“James and Cara were fabulous from start to finish, they listened to our current situation and future plans and made sensible recommendations based on the cover we wanted to put in place. Would highly recommend using Stellar Advice."

Abby, Personal Insurance Client

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Personal Insurance

"We came away feeling very confident that we had the right protection in place. We’d happily recommend James to anyone looking for an insurance adviser who is knowledgeable, genuine and genuinely cares about getting the right outcome for his clients!!!"

"James really took the time to understand us, our lives and where we want to be. He worked hard to ensure we were appropriately insured - not over or under insured. It made such a difference to our future planning and we feel much better set up."

“James took the time to understand our needs in order to provide us the best cover. Good delivery in terms of time and service."

“James and Cara were fabulous from start to finish, they listened to our current situation and future plans and made sensible recommendations based on the cover we wanted to put in place. Would highly recommend using Stellar Advice."