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Unbiased Insurance Advice  ·  We work for you, not the insurer  ·  0800 259 925

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Protected by New Zealand's top insurers
— guided by advisers who work for you.

No adviser fees. No pressure. Just Willi and Sol finding the cover that’s right for you — across New Zealand’s top insurers.
★★★★★

4.8 / 5

35+ reviews

Families protected

1,000+

and counting

Total claims paid

$1,205,424+

paid to LifeCovered clients

Adviser fee

$0

No adviser fee — ever

FSP registered

FSP675171

FMA licensed adviser

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.

  • We compare top NZ insurers to find the best coverage at the best price, at the same rates as going directly, 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’re here all year round to help with premiums, claims, and any questions you may have.

Book a Meeting with Willi
Willi Olsen, the dedicated insurance strategist at Life Covered.nz, 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.

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.

Start now with your consultation

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.

Let's talk now
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.

Book your complimentary consultation

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.

Let's talk now

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.

See what other people like you, say about us

LifeCovered™

Mark Stone
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
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
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.
Bradley
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
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
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

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.

Let's talk now

Frequently Asked Questions

Everything you need to know about LifeCovered
Short answer: We’re paid by the insurance companies, not by you.

Nope! Our service is 100% free for you to use. We help you compare and choose the best insurance cover—without charging you a cent.

When you take out a policy through us, the insurance company pays us a commission.

This commission is already built into the price of every insurance policy, whether you go directly to the insurer or through us.

Not at all. You’ll pay exactly the same price, whether you go to the insurer directly or let us help you.

In fact, because we compare multiple insurers, we’re often able to help you find better value for your needs.

Absolutely. We are completely unbiased in our recommendations.

We only work with a carefully selected group of New Zealand’s top insurers, and our advice is always based on what’s best for you, not what pays us more.

We’re here for the long haul. We help with:

  • Reviewing your policy as life changes

  • Making claims easy and stress-free

  • Answering questions anytime—at no cost

Speak with a LifeCovered adviser to explore insurance options tailored to your life stage, priorities, and budget. Our goal is to help you get the right protection without paying more than you need to.

We’re flexible in how we meet:

  • In person in Tauranga, Hamilton, Auckland, or Wellington

  • Or online via Zoom, Microsoft Teams, or Skype at a time that suits you best

Let’s make insurance easy, clear, and designed around you.

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.