Insurance That Protects Every Part of Your Life
At Halo Advisers, we help you find the right insurance cover to protect what matters most. Whether it is your health, your income, your business, or your lifestyle, we take the time to understand your situation and recommend options that suit you.
Insurance Made Simple
Insurance can feel overwhelming, especially when you are trying to work out what you actually need and what you can do without.
At Halo Advisers, we simplify the process. We take the time to understand your situation, explain your options clearly, and guide you towards cover that protects you properly. No confusion, no unnecessary policies, and no pressure.
Personal Insurance
Personal insurance is designed to protect you and your family financially if something unexpected happens. It provides support during difficult times and helps you maintain stability when your income or health is impacted.
Personal Insurance Types
Cancer Care
Cancer Care provides financial support to help manage treatment, recovery, and everyday expenses following a cancer diagnosis. It is designed to reduce the financial burden during what can be a very challenging time.
Disability Insurance
Disability insurance provides financial support if you are unable to work due to illness or injury. It helps replace lost income so you can continue meeting your financial commitments and everyday expenses.
Life Insurance
Life insurance provides financial support for your loved ones if something unexpected happens, helping cover debts, living costs, and future expenses.
Medical Insurance
Medical insurance helps cover the cost of private treatment, giving you faster access to care and reducing the financial impact of unexpected health expenses.
Pet Insurance
Pet insurance helps cover the cost of unexpected vet bills, giving you peace of mind that your pet can receive the care they need without added financial stress. It allows you to focus on their health and recovery, knowing support is in place when it matters most.
Trauma Insurance
Trauma insurance provides a lump sum payment if you are diagnosed with a serious medical condition such as cancer, heart attack, or stroke. This allows you to focus on recovery without the added pressure of financial commitments.
Total Permanent Disability (TPD)
TPD insurance provides a lump sum payment if you become permanently unable to return to work. This can help fund long-term living costs, medical care, and necessary changes to your lifestyle.
Business Insurance
Business insurance helps protect the financial stability of your business if key people are unable to work or unexpected events impact operations. It allows you to plan ahead and reduce disruption when challenges arise.
Business Insurance Types
Key Person Protection
Key Person Protection provides financial support if a key member of your business is unable to work due to illness, injury, or death, helping maintain stability during a critical time.
Shareholder Protection
Life insurance provides financial support for your loved ones if something unexpected happens, helping cover debts, living costs, and future expenses.
Group Insurance
Group insurance provides cover for employees under a single policy, helping businesses offer valuable protection as part of their employment benefits.
Travel Insurance
Travel insurance gives you confidence when you are away from home. It protects you against unexpected situations so you can focus on your trip.
How We Help You
Our process is designed to make insurance simple, clear, and tailored to your situation from start to finish.
Understand Your Needs
We take the time to understand your income, responsibilities, and what matters most to you, so we can focus on the areas where insurance will make the biggest impact.
Tailored Recommendations
We provide clear and relevant insurance options, explaining each one so you understand what is covered and how it fits into your overall plan for protecting your family, health, and assets.
Seamless Implementation
We manage the entire setup process on your behalf, from completing applications to coordinating with insurers, ensuring everything is correctly in place from the start.
Ongoing Support
We provide continuous assistance as your circumstances change and guide you through the claims process to ensure everything runs smoothly.
Frequently Asked Questions
What insurance do I actually need?
The type of insurance you need depends on your personal situation, including your income, family responsibilities, and financial commitments. We help you identify the most important areas to cover so you are properly protected.
How do you choose which insurer to recommend?
We compare policies from a range of New Zealand insurers and recommend options based on the quality of cover and how well they match your needs.
Can you review my existing insurance?
Yes. We can review your current policies to make sure they are still suitable and identify any gaps or overlaps in your cover.
Do I need business insurance as well as personal insurance?
If you own a business, both are important. Personal insurance protects you and your family, while business insurance helps protect your income and the ongoing operation of your business.
What happens if I need to make a claim?
We support you through the claims process by helping you understand what is required and working with the insurer to ensure everything runs smoothly.
Is there a cost for your advice?
In most cases, there is no direct cost to you as we are paid by the insurer. We are always transparent about how this works.