LifeCovered

Who we work with

For the people who can't afford to stop.

Most of our clients share one thing: their income stops when they do. Sound familiar? Then you're in the right place, and the advice costs you nothing.

Book a free callHow we work→
$0 adviser fee 4.9 / 5 on Google1,000+ families protected
Medical professionals who protect their income with occupation-specific cover

Who we help

Different jobs, same question

What happens to the people and plans that depend on you if you couldn't work tomorrow? Here's who we work with most.

Self-employed & sole traders

Your sick leave is whatever you've saved. When you can't work, the bills keep arriving while your income takes a break. We help self-employed New Zealanders protect the income their lifestyle depends on.

Small business owners

If you're off, who runs things? We help business owners plan for the unexpected, with cover that keeps the business moving and ownership tidy when a key person can't work.

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.

Doctors, dentists & vets

Your earning potential took years to build and depends entirely on your ability to practise. We specialise in occupation-specific 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 cover 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 against the unexpected.

Scenarios

What that looks like in real life

Three example scenarios, not real client files. The situations are the ones we see every week; the plan gets built around yours.

Scenario 01Income ProtectionTrauma CoverLife Insurance

Priya, 38

Anaesthetist · Auckland

Priya's income depends entirely on her ability to practise. ACC would respond to an accident, but an illness that stopped her working would stop her income the same week. With a mortgage and two young children, she wanted the life they've built to rest on more than her staying healthy.

The plan

  • Occupation-specific income protection, so a claim asks whether she can work as an anaesthetist, not whether she could do any job
  • Trauma cover paying a lump sum on serious diagnosis, so treatment decisions never have to wait on money
  • Life cover set against the mortgage and the years until the kids are independent

What changed

Up to 75%

of her income protected if illness stops her practising

Her occupation

is what a claim is assessed against, not any job she could do

$0

for the advice, now and at claim time

Scenario 02Income ProtectionMortgage ProtectionTrauma Cover

Mark, 45

Self-employed builder · Tauranga

Mark runs his building business with his wife, and income-splitting keeps the tax bill sensible. What he hadn't seen is that splitting income also splits what ACC would pay him after an accident, and ACC was never going to respond to an illness at all. His sick leave was whatever happened to be in the account.

The plan

  • Income protection sized against what he actually earns, working alongside ACC instead of doubling up on it
  • Mortgage protection so the repayments carry on while he recovers
  • Trauma cover for the big events, because a serious diagnosis costs more than lost wages

What changed

Illness + injury

both covered, where ACC responds to accidents only

Every repayment

the mortgage keeps getting paid while he's off the tools

One review

to see the gap between what ACC pays and what his family spends

Scenario 03Key Person CoverShareholder ProtectionGroup Health

Sarah, 51

Engineering firm owner, 8 staff · Hamilton

Sarah's firm runs on two people: her and her operations manager. If either of them was out for six months, contracts would stall while the bank still expected its payments. She also wanted her team looked after, and a genuine edge when hiring.

The plan

  • Key person cover that buys the business time to hire, train, or hold steady while someone recovers
  • Shareholder protection so ownership passes cleanly if the worst happens, agreed and funded in advance
  • Group health insurance for the whole team, a benefit staff actually use

What changed

Breathing room

funded for the business if a key person can't work

A clean handover

of ownership, decided while everyone is well

8 staff

covered under one group health plan

What to expect

We make the process easy

Three conversations with Willi or Sol, and the advice costs you nothing.

  1. 1

    Step 01

    Discover

    A conversation about what you want insurance to do for you, so you have peace of mind today and tomorrow.

    A relaxed chat, phone or video

  2. 2

    Step 02

    Design

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

    Compared across NZ’s leading insurers

  3. 3

    Step 03

    Deliver

    Once a plan is chosen, we activate it and schedule annual reviews to keep it on track.

    Annual reviews included

Willi OlsenSol Brown

Willi & Sol

Free, and it starts with a chat.

Schedule a call

Which one sounds like you?

Every plan starts with a conversation about your situation, not a product list. Willi and Sol compare the whole market, and the advice costs you nothing.

Book a free call