Everyday vs Comprehensive Health Insurance
Everyday vs Comprehensive Health Insurance: What’s the Real Difference? The
18 April 2025
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 only partner with the top-tier insurers, handpicked for their strength, reliability, and reputation, so you get nothing but the best.
About LifeCovered
I started LifeCovered because I believe everyone deserves a trusted guide when it comes to insurance. Let’s be honest—it can be confusing, and the last thing you need is a pushy salesperson.
As brokers, my team and I work for you, not the insurance companies. Our goal is to help you cut through the noise, make insurance easy to understand, and find the best cover for your life, health, income, mortgage, or trauma insurance at the best price.
With us, you’ll feel confident knowing you’ve made the right choice for you and your family. And the best part? Our service is completely free.
Let’s make insurance simple.
Our Service is 100% Free.
- We compare top NZ insurers to find the best cover at the best price—same rates as going direct, but with expert, easy-to-follow advice.
- We suggest a yearly review to keep your coverage right for your needs – more, less, or just refresh your understanding of what’s covered.
We’ve got your back all year round, sorting out billing, claims, and any questions you have.
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
INSURANCE STRATEGIST: SECURING PEOPLE'S INCOMES
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.
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.
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.
Discover
Just a conversation about what you want insurance to do for you so you can have peace of mind today and tomorrow.
Design
Together, we explore insurance options that might fit you and your budget.
Deliver
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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See what other people like you, say about us
LifeCovered™
Insurance Claims Paid
Successful Insurance Claims
The numbers speak for themselves. Here are some of the most recent claims.
Income Protection Claim
Carpenter
$6,750
per month
Income Protection Claim
Government Advisor
$7,500
per month
Health Insurance, Back Surgery
Investment Advisor
$29,500
hospital bill paid
Trauma Insurance Claim
Teacher
$125,000
one-off tax-free payment
Life Insurance Claim
Business Owner
$475,000
one-off tax-free payment
Health Insurance, Back Surgery
Retired Teacher
$27,550
hospital bill paid
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.
Popular Guides to Help You Protect What Matters Most
Every day, I speak with professionals, parents, and business owners who want to make smart choices about protecting their income, health, and family — but don’t always know where to start. That’s why I’ve written these practical, easy-to-follow guides to answer common questions, explain key concepts, and help you feel confident about your financial protection. Whether you’re weighing up health insurance options, wondering how life insurance works, or trying to understand income protection, you’ll find what you need right here.
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