OUR STORY
The wake-up call we didn't see coming
When my wife was pregnant with our second child, she was diagnosed with a neurological condition. I’d just started my career in life insurance. I understood risk — professionally. Personally, we had nothing in place for our own family.
The emotional toll was significant. The financial toll nearly broke us.
LifeCovered was founded in Hamilton in 2018 to do one thing well: help New Zealanders protect their income, health, and family — with independent advice, no sales pressure, and no hidden agenda.
Your lifestyle shouldn’t have to change when life throws a curveball. We’re here to make sure it doesn’t.
WHO WE HELP
We specialise in the people who can't afford to stop
Most of our clients share one thing in common — their income stops when they do. Here’s who we work with most.
Self-employed & sole traders
Your sick leave is whatever you've saved. If you can't work, the bills don't pause — but your income does. We help self-employed New Zealanders protect the income their lifestyle depends on with income protection and mortgage protection.
Small business owners
If you're off, who runs things? We help business owners plan for the unexpected — key person cover, shareholder protection, and income protection that keeps things moving when you can't.
Families
One income gone can unravel everything. We help families make sure a diagnosis, accident or death doesn't also mean losing the house, the school, or the life you've built together — with life insurance, trauma cover, and mortgage protection.
Doctors, dentists & vets
Your earning potential took years to build and depends entirely on your ability to practise. We specialise in occupation-specific income protection and trauma cover that pays out if you can't do your job — not just any job.
Medical & health professionals
Nurses, physios, pharmacists, specialists — if your hands or your registration are your income, a generic policy won't protect you properly. We understand how health professionals earn and how to protect it with income protection and health insurance built around your occupation.
Executives & senior professionals
Your income is your most valuable asset — and it's probably underinsured. We help executives protect their salary, their lifestyle, and their family's future with income protection, life insurance, and trauma cover against the unexpected.
Ready to protect what matters most?
Book a free 20-minute call — no obligation, no jargon.
Book a free callMEET THE TEAM
The people behind your plan
Most clients come to us overwhelmed and leave with a plan. That’s not a process — it’s a conversation. And it starts with Willi or Sol, not a form.
HOW WE'RE PAID
Our advice is free to you — here's why
When you take out a policy through LifeCovered, the insurance company pays us a commission. That commission is already built into the standard price of the policy — so whether you come to us or go direct, you pay exactly the same premium.
The difference is what you get for it. With LifeCovered, you get someone who compares the whole market, explains your options clearly, and stays in your corner when it matters — including at claim time. No sales targets. No obligation to any insurer. No hidden agenda.
“We’re paid by the insurers, not by you. That means our only job is to find the right cover for your situation — not the most profitable one for us.”
LifeCovered is a registered Financial Advice Provider (FSP675171), authorised and regulated by the Financial Markets Authority. We are required to act in your best interest at all times.
Every insurer in New Zealand prices adviser commission into their premiums as standard. You're paying it whether you use an adviser or not. The question isn't whether to pay — it's whether to get the market comparison, the unbiased advice, and the claim support that comes with it.
Ready to build your protection plan?
Whether you're just starting out or reviewing what you have, a 20-minute conversation with Willi or Sol could change how you think about your financial future. No obligation. No jargon. No cost.