Financial Protection for Business Owners Medical Professionals Individuals Entrepreneurs Families

Illness. Injury. Burnout. The loss of you or a loved one.

Without warning and with a devastating impact on you, your family and your business.

Let’s talk about a backup plan.

We've got the best of the best insurance companies working for you.

Life Insurance Broker

People often ask us for financial advice to:

Protect their salary

If they can’t return to work because of an accident, illness or burnout.

Provide cash flow to help

Your business recover from the loss or disability of a key person.

Protect the family home

So the family can continue to live in it mortgage free, even after they are gone.

Leave money behind

For their spouse and kids & ensure their legacy.

Employee insurance benefits

Offer employee insurance benefits to manage retention and turnover.

Fast access to medical care

Public waiting lists hurt income and quality of life. Private healthcare leads to faster recovery.

Personal Insurance Plans

Protecting You and Your Family

Your life circumstances and goals can change quickly, and your wealth protection needs will change over time.
The strategy for a young person at the start of their career will differ from that of a young family or a person with accumulated assets.
No matter your situation, our tailored protection plan provides peace of mind, whether you are single, a couple, or someone with accumulated wealth.

Insurance for Medical Professionals

Insurance for medical professionals and their practices

At LifeCovered, we excel at providing insurance solutions to medical professionals. We respect the hard work you’ve invested in your professional career.
We work with you to tailor insurance protection plans that give you peace of mind and prepare you for tomorrow’s uncertainties.
It’s your future.

IT professionals, with their specialized skills and often high-income levels, benefit greatly from financial protection. It safeguards their earnings against unforeseen disruptions, ensuring stability for their investments and lifestyle, and providing a safety net that supports their continued innovation and productivity in the fast-evolving tech landscape.

Insurance for IT-professionals

It-Professionals protection plans

Our specialised insurance plans are designed with you in mind, offering comprehensive insurance advice and peace of mind. Don’t leave your skill and experience at risk – get the protection you need today.

Protection for your business journey

Protecting Your Business Income and Employees

You’ve worked hard to establish your business and are now looking to protect your assets from business interruption so you can do what you do best — grow your business.

What to expect

Three easy steps to see what's possible

Matters of family and wealth are always deeply personal. The same goes for how we work with you.From our first meeting to the reviews we do regularly, every touch feels human, even when discussing numbers, financial protection and retirement. We don’t beat around the bush when we talk to you; our goal is to make life easier with one plan.


Just a conversation about what you want insurance to do for you so you can have peace of mind today and tomorrow.


Together, we explore insurance options that might fit you and your budget.


Once a financial protection plan is chosen, we’ll activate the plan and schedule annual follow-ups to make sure the plan stays on track.

Why Choose Us

Learn about our benefits

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Life Covered


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Life Covered


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See what other people like you, say about us


Mark Stone
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I highly recommend Willi's service to anyone who needs help with Life insurance or clarification about life insurance they have. Its worth calling Willi to make sure you are paying the correct ppremiums and that you are getting the best deal. Thank you, Willi. Fantastic work.
Richard Baker
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Willi was great! He worked hard to get my life insurance policy approved within 2 business days. He was very knowledgeable, informative and without being pushy. Would recommend to friends.
George Chong
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Willi exceptional customer service is the best I have experienced so far - and his no obligation consultation is exactly what most people would want from an insurance adviser. I highly recommend Willi to assess your insurance needs and get the best policy covers there is in the market.
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Chatted with Willi about group health insurance for small businesses to help keep staff motivated/onboard. He's a life insurance broker based in Hamilton, and I highly recommend him.
Zeena Khan
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Great working with Willi. Really helpful, easy to talk to and super informative with the insurance process. Made it so easy for me to understand. Highly recommend Willi to anyone looking at insurance cover. Thanks Willi you've given me peace of mind! 😀
Pranav Birla
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Got brilliant guidance on insurance from Willi, took a holistic approach and helped me think about insurance from all angles to ensure that I wasn't over or under insured. Thank you for the brilliant advise and wish you all the best!

Insurance Claims Paid

Successful Insurance Claims

The numbers speak for themselves. Here are some of the most recent claims.

Income Protection Claim



per month

Income Protection Claim

Government Advisor


per month

Health Insurance, Back Surgery

Investment Advisor


hospital bill paid

Trauma Insurance Claim



one-off tax-free payment

Life Insurance Claim

Business Owner


one-off tax-free payment

Health Insurance, Back Surgery

Retired Teacher


hospital bill paid

My own story

Willi has served as a trusted financial advisor to families and businesses since 2004, first in Scandinavia and, since 2017, in New Zealand. He holds dual Danish-New Zealand citizenship.

One of the best decisions I made was getting married in 1999. We started a life together, and our first child was born in 2001.

While pregnant with our second child, my wife suffered a rare neurological condition. At the same time, I started working in life insurance and understood the need for financial protection.

Unfortunately, we didn’t have financial protection in place, and this is why I do what I do, so you don’t have to suffer as we did.

Over the years, I’ve helped my people with life, health, and income protection and, most importantly, assisted when tragedy or illness has happened.

I’m a registered financial advisor with the Financial Markets Authority – check my registration here.

Connect with me here on LinkedIn.


Willi Olsen


Willi has worked in the insurance industry since 2004, accumulating a wealth of knowledge broadly across all aspects of insurance and financial protection and as a business owner.

To back up my practical experience, I have the New Zealand Certificate in Financial Services (NZCFS Level 5) in Life, Health, and Disability and the (NZCFS Level 5) Investments strand.

Willi Olsen, the dedicated insurance strategist at Life, specializes in safeguarding individuals' incomes through tailored insurance solutions. His expertise lies in creating personalized plans that ensure his clients' financial stability and peace of mind, making him a trusted ally in protecting their financial futures against unforeseen challenges.
Ready to talk?

Did you know insurers charge advisor fees whether or not you use an advisor?

There are no extra charges beyond the cost of your insurance to work with us.

Questions About Working With LifeCovered

There is no difference in cost between going through a life insurance broker or directly with one insurance company.

Regardless of whether you use an unbiased advisor, advisor fees are always built into the insurance payments.

But you can save money by letting us go to market and compare your options.

LifeCovered is committed to providing a range of insurance providers through our Approved Provider List (APL).

Expert third parties have thoroughly researched this list, and our APL is reviewed and updated annually.

Our preferred life insurers are:

  • AIA Insurance NZ,
  • Asteron Life,
  • Chubb Life NZ,
  • Fidelity Life and
  • Partners Life.

Each company is fighting to offer the best policy at the best price – and you, as a buyer, are winning by looking at and comparing the market.

Not all life insurance brokers are created equal. Be wary of those that represent a single insurer. Despite what some online insurers might say in their advertising, cutting out the broker is not necessarily cheaper.

  • Saves you time by doing all the research for you
  • Shop around for the best policy and best price.
  • Service – when it’s time to make a claim it helps if the person on the other side is familiar, friendly and has your trust
  • Insurance made simple – we handle all the complex, unsatisfying aspect of insurance on your behalf

As a company, we get paid commission for policies we sell for an insurance company.

Not to worry, because the commission is already built into the price of all insurance policies.

This means you never pay to use our service.

LifeCovered works with New Zealand’s leading life insurers and New Zealand’s leading health insurers.

This allows us to present a comprehensive list of options to New Zealanders with insurance needs, as these companies provide several types of life insurance, such as term life insurance and critical illness, disability, and health cover.

Please speak with a LifeCovered adviser so we can design an outcome that fits you and your budget.

They can meet in person in Tauranga, Hamilton or Auckland, over the Phone, via Skype, Microsoft Teams and Zoom, or at a convenient time.