Personal insurance advice · New Zealand
For the life
you’re building.
Life is full of things worth protecting. Let’s make sense of your insurance, so you can get on with what matters.
Thoughtful personal advice for your people, your income and the place you call home.
With Sharleen Kumar · Operating under IFO Peace of Mind Advice Limited
Protection, with perspective
Insurance for what
matters most.
Start with the people and priorities at the heart of your life. We’ll help you understand the cover, the conditions and the choices.
Personal insurance advice
Trauma insurance
Financial breathing room after a defined serious illness.
Wherever you are in life
Your next chapter.
Let’s think it through.
Already have insurance?
Good cover deserves
a second look.
Life changes. Your insurance should be understood in the context of the life you’re living now. A thoughtful review starts with what you already have.
What protection do you hold today?
What’s included — and excluded?
Does it still reflect your priorities?
What could change if you switched policies?
Keep your current cover until any replacement is accepted and the implications are understood.
A real person in your corner
Hello, I’m Sharleen.
I believe insurance conversations should feel approachable and easy to understand. My focus is on listening, explaining the important details and helping you feel informed.
Whether you’re starting out, buying your first home or reviewing cover you’ve held for years, we can begin with what matters to you.
Sharleen Kumar · Insurance adviser
Operating under IFO Peace of Mind Advice Limited
A little more clarity
Protection, in plain English.
Personal insurance advice
Total & permanent disability
Total and Permanent Disability cover can provide a lump sum when illness or injury causes a lasting disability as defined by the policy.
Personal insurance advice
Mortgage protection
Mortgage protection insurance is often designed to help cover regular mortgage repayments when you cannot work due to eligible illness or injury.
Personal insurance advice
Income protection
Income protection insurance can replace part of your earnings for a defined period if illness or injury stops you working and you meet the policy conditions.
Personal insurance advice
Specific injury cover
Specific injury cover can provide a specified payment for an injury listed in the policy, even where you may not meet a broader income-protection claim definition.
Specialist introductions
The right connection
for your next step.
Some needs call for a different specialist. For these six services, Nestwell offers introductions only. The referred adviser is responsible for their advice and disclosures.
Specialist introduction
KiwiSaver
KiwiSaver is a long-term savings and investment scheme with rules about contributions, withdrawals and fund choices.
Specialist introduction
Investments
Investments and insurance serve different purposes, and “investment insurance” is not a single standard product category.
Specialist introduction
House insurance
House insurance can help protect your home against insured damage or loss, subject to the policy and its limits.
Specialist introduction
Contents insurance
Contents insurance can help cover eligible damage, loss or theft of household belongings.
Specialist introduction
Car insurance
Car insurance may cover damage to your vehicle or liability for damage to other vehicles and property, depending on whether cover is comprehensive, third-party, or another type.
Specialist introduction
Business insurance
Business insurance can include commercial property, liability or other covers for business operations.
How we work
Good advice starts
with understanding you.
01
A conversation first
We listen to what matters, what has changed and what you would like to understand.
02
Clarity about your options
We explain relevant cover types, key conditions and questions to consider.
03
A considered next step
Any personal recommendation follows the responsible adviser’s formal process and disclosures.
The resource library
A good place to begin.
Practical reading for your own pace. General information, with questions to bring to a conversation.
General information
A practical guide to reviewing your existing insurance
Insurance often sits in the background for years. You may have arranged it when buying a home or starting a family. Since then, your circumstances—and what you need…
Read the guide →General information
First-home buyers: protecting your repayments and future
Buying your first home creates a new chapter—and a new set of commitments. Beyond the mortgage itself, there are rates, utilities, maintenance, transport, groceries and family costs. It…
Read the guide →General information
Five questions to ask when reviewing your KiwiSaver
KiwiSaver can become something we set up once and barely think about. Yet jobs change, families grow and long-term plans develop. A periodic review is an opportunity to…
Read the guide →Ready when you are
Let’s start with
what matters to you.
A question, a change, a fresh look at existing cover. You don’t need to have all the answers before we talk.