# Nestwell Advisory

> Personal insurance advice for the life you’re building.


## Pages

- [Business insurance](https://navajowhite-moose-440835.hostingersite.com/services/business-insurance/): Business insurance can include commercial property, liability or other covers for business operations.
- [Investments — specialist referrals](https://navajowhite-moose-440835.hostingersite.com/services/investment-insurance/): Investments and insurance serve different purposes, and “investment insurance” is not a single standard product category.
- [Car insurance](https://navajowhite-moose-440835.hostingersite.com/services/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.
- [House insurance](https://navajowhite-moose-440835.hostingersite.com/services/house-insurance/): House insurance can help protect your home against insured damage or loss, subject to the policy and its limits.
- [Contents insurance](https://navajowhite-moose-440835.hostingersite.com/services/contents-insurance/): Contents insurance can help cover eligible damage, loss or theft of household belongings.
- [Specific injury](https://navajowhite-moose-440835.hostingersite.com/services/specific-injury/): 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.
- [Income protection](https://navajowhite-moose-440835.hostingersite.com/services/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.
- [Mortgage protection](https://navajowhite-moose-440835.hostingersite.com/services/mortgage-protection/): Mortgage protection insurance is often designed to help cover regular mortgage repayments when you cannot work due to eligible illness or injury.
- [TPD insurance](https://navajowhite-moose-440835.hostingersite.com/services/tpd-insurance/): Total and Permanent Disability cover can provide a lump sum when illness or injury causes a lasting disability as defined by the policy.
- [Trauma insurance](https://navajowhite-moose-440835.hostingersite.com/services/trauma-insurance/): Trauma insurance can pay a lump sum following diagnosis of a serious illness or condition that meets the policy definition.
- [Health insurance](https://navajowhite-moose-440835.hostingersite.com/services/health-insurance/): Private health insurance can contribute towards eligible medical treatment, specialist appointments and surgery, within the policy’s benefits and limits.
- [Life insurance](https://navajowhite-moose-440835.hostingersite.com/services/life-insurance/): Life insurance is designed to provide a payment to nominated beneficiaries or your estate if you die while covered.
- [KiwiSaver](https://navajowhite-moose-440835.hostingersite.com/services/kiwisaver/): KiwiSaver is a long-term savings and investment scheme with rules about contributions, withdrawals and fund choices.
- [Privacy](https://navajowhite-moose-440835.hostingersite.com/privacy/): How Nestwell Advisory handles website enquiries, notifications, manual retention, privacy requests and essential service providers.
- [Complaints and feedback](https://navajowhite-moose-440835.hostingersite.com/complaints/): How to raise a concern with Nestwell Advisory, contact IFO’s complaints service and find independent dispute-resolution information.
- [Financial advice information](https://navajowhite-moose-440835.hostingersite.com/financial-advice-disclosures/): Nestwell Advisory’s personal insurance advice scope, specialist referrals and where to find IFO’s licensing, fee and commission disclosures.
- [Start a conversation](https://navajowhite-moose-440835.hostingersite.com/contact/): Speak with Sharleen Kumar about personal insurance or reviewing existing cover. Send a minimal enquiry with your first name, email and broad topic.
- [Review your existing insurance](https://navajowhite-moose-440835.hostingersite.com/insurance-review/): Understand existing insurance benefits, exclusions and changing priorities before considering any policy change. Start with a thoughtful review of what you already hold.
- [Personal insurance and referral services](https://navajowhite-moose-440835.hostingersite.com/services/): Explore seven personal insurance advice services and six clearly separated specialist referral services with Nestwell Advisory.
- [Meet Sharleen Kumar](https://navajowhite-moose-440835.hostingersite.com/about/): Meet Sharleen Kumar and learn about Nestwell’s approach to personal insurance advice, operating under IFO Peace of Mind Advice Limited.
- [For the life you’re building](https://navajowhite-moose-440835.hostingersite.com/): Personal insurance advice with Sharleen Kumar, operating under IFO Peace of Mind Advice Limited. Thoughtful protection for your people, income and home commitments.


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