Life & Health Insurance - protecting what matters most

Life cover, income protection, health insurance and trauma cover - arranged by a local broker who takes the time to understand your family and finances.

Protect your family & income

Life & Health Insurance

Your ability to earn, and the financial security of the people who depend on you, are worth protecting. KIS arranges life and health insurance for Northland families and individuals - life cover, income protection, private health insurance and trauma cover. We explain the options in plain English and help you choose cover that fits your budget and your life stage.

Life cover

A lump sum for your loved ones if the worst happens.

Income protection

Replace a portion of your income if you can't work due to illness or injury.

Health insurance

Private health cover for faster access to treatment and specialists.

Trauma cover

A lump sum if you suffer a specified serious illness or condition.

Total & permanent disablement

Financial support if you're permanently unable to work.

Personalised advice

Cover structured around your family, debts and income.

Cover that fits your life stage

The right life and health cover changes as you do - buying a first home, starting a family, growing a business, or approaching retirement all shift your priorities. We review your cover over time so it keeps pace with your life, rather than being a 'set and forget' policy that no longer matches your needs. Life insurance NZ families rely on should reflect real circumstances: your mortgage, your dependants, your income and the lifestyle you want to protect. A young couple buying their first home in Whangārei needs different cover from a family with three school-age children, or a business owner whose family depends on the business's income. We take the time to understand your situation, explain the options clearly, and structure cover that genuinely fits - then revisit it as your life changes, so your protection keeps up with your responsibilities rather than drifting out of date.

Health insurance for faster care

Private health insurance gives you faster access to specialists, tests and treatment, and more choice over when and where you're treated. We help you compare options and understand what's covered - and what isn't - so there are no surprises when you need to use it. Health insurance NZ residents value because the public system, while excellent for emergencies, can mean long waits for elective surgery, specialist appointments and diagnostic tests. Private health cover puts you back in control of timing and choice. We help you compare policies, understand the differences between comprehensive and surgical-only cover, and weigh up excess levels and pre-existing condition exclusions so you choose with your eyes open. The right policy depends on your stage of life, your budget and the treatments you're most likely to need - and we make that comparison straightforward rather than overwhelming.

Income protection and trauma cover

For most families, the ability to earn is the single most valuable asset they have - yet it's often the least insured. Income protection insurance replaces a portion of your income if illness or injury stops you working, keeping the mortgage paid and the household running while you recover. Trauma cover pays a lump sum if you suffer a specified serious condition like cancer, heart attack or stroke, giving you financial breathing space at exactly the moment you need to focus on recovery rather than bills. We structure these covers around your income, your debts and your dependants, and explain how they work alongside ACC so you're not paying for cover that overlaps. For Northland families and self-employed people in particular, income protection and trauma cover can be the difference between weathering a serious health event and facing real financial hardship.

Explore our other services

Marine InsuranceBlue-Water & Launch InsuranceDomestic InsuranceCommercial InsuranceRural InsurancePrestige VehiclesLiability & Risk

Where we provide this cover

Based in Bream Bay, servicing all of Northland and nationwide for marine and commercial clients.

Bream Bay / One Tree Point / Marsden CoveWhangāreiNorthlandKerikeriKaitaiaRest of New Zealand

Ready to keep your insurance simple?

Get a free, no-obligation consultation with Tim - your local Northland broker.

022 323 9125