Personal Insurance Customised
to Fit Your Needs

What is a personal insurance adviser?

At Pulse Advice, we are here to help you prepare for when life doesn't go as planned. We often can’t avoid illness, injury, or something else unexpected. Smart insurance is not about betting on disaster; it’s about ensuring you have the right safety net when life throws you a curveball. Our friendly team are here to guide you towards the best insurance, tailormade to meet your needs.

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Your Cover Options

There’s no one-size-fits-all when it comes to personal insurance.

The right cover depends on your life, income, health, and what you care about protecting most. With personal insurance advice and a proper plan in place, you can be reassured that if something serious does happen, your family, income and future security are protected. Here’s a quick look at the main types of cover we can assist you with.

  • Life Insurance
  • Trauma Insurance
  • Health Insurance
  • Income Protection

Life Insurance

While it's not always an easy thing to think about, life insurance is one of the most meaningful ways you can look after your loved ones.

Life insurance pays out a lump sum if you pass away or are diagnosed with a terminal illness (usually with less than 12 months to live). It’s typically used to clear debts, replace lost income, cover funeral costs, or give your loved ones a financial head start.

Trauma Insurance

Whether it's you or someone in your family, a serious illness can turn life completely upside down.

Trauma insurance pays you a lump sum if you’re diagnosed with a major medical condition. In New Zealand, that typically includes serious illnesses like cancer, heart attacks, or strokes, though most policies cover around 50 conditions. It’s there to help with recovery costs, replace income, or just give you breathing room while you focus on getting better.

Health Insurance

Waiting isn't always an option when your health needs immediate attention. That's where health insurance gives you more control and peace of mind when it comes to getting the care you need most.

Health insurance covers the cost of private medical care, like specialist visits, diagnostics, and surgery. It’s designed to give you faster access to treatment, more choice in how and where you’re treated, and help you avoid long public waitlists.

Income Protection

Your income is your lifeline and one of your most valuable assets, so what happens if you suddenly can't work anymore?
Whether that's due to illness or an unexpected injury, income protection pays you a monthly amount to help keep things ticking over, including rent or mortgage, groceries, bills, and more. It’s all about maintaining a steady lifestyle when your income takes a hit and you need time to get back on your feet.

Why It Matters For Kiwi Families

While we always plan and hope for the best, it's smart to take a proactive approach and plan for the unexpected. That's where Pulse Advice comes in.

We don't usually worry too much

As Kiwis, we're proud of our resilience and tend to roll with the punches. But the truth is that most of us don't have a significant financial buffer and rarely plan for when things do go wrong.

Life can change in an instant

One accident, illness, or loss of income. We've all seen how quickly life can flip on you. So the real question is: if something did happen, how would you or your loved ones cope financially?

That's where insurance comes in

That’s why it matters to have the right safety net in place, so you're not left scrambling if life takes an unexpected turn. It's having the peace of mind that if something does go wrong, you’ll be alright.

How We Help You Choose

Getting cover shouldn’t be confusing, and we’re here to support you every step of the way. 

Here’s how we make it simple:

Begin the process with a quick call with our team so we can understand where you’re at and what you’re trying to protect.
We then assess your needs, goals, budget, and any existing coverage you may have and how we can create a new plan that works best for your situation.
We’ll explain what’s worth having (and what’s not), so you can make the right call.
Once you’re happy with your plan, we sort the admin and get everything in place to start your application. You’re all set!

We check in.
As life changes, your cover should too. We’ll keep things up to date and check in with you regularly to make sure you’re still on the right track.

FAQs

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It's easy to feel invincible when you're in good health, but the truth is that accidents or illnesses don't wait for the 'right time'. Taking out cover while you're young and healthy not only gives you better options and lower premiums, but also protects your future if life changes suddenly. 

Great question. They each cover different scenarios:

  • Life insurance provides a lump sum to your family if you pass away or are diagnosed with a terminal illness.
  • Trauma insurance pays out if you’re diagnosed with a serious illness like cancer, stroke, or heart disease.
  • Health insurance covers the cost of private treatment, helping you skip long wait times.
  • Income protection replaces part of your income if you can’t work due to illness or injury.

We’ll help you determine the best combination for your lifestyle.

Everyone's situation is different, but this usually depends on your income, debts, family situations and what kind of financial safety net you want in place. We'll work with you to assess what's important and recommend a level of cover that strikes the right balance between peace of mind and affordability.

Start Your Journey Today

Ready to take the next step? Fill out our simple form, and we’ll get in touch to provide tailored advice that works for you. It’s quick, easy, and designed to make your life easier!

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