Case Studies

Real stories from real Kiwi clients.

How we've helped families and businesses across New Zealand. Names and details are changed to protect privacy.

First home & KiwiSaver

First home buyers using KiwiSaver

Situation

A couple in their early 30s wanted to buy their first home. They had some KiwiSaver savings but weren't sure about withdrawal rules or how much they could borrow.

Our Role

We reviewed their KiwiSaver balances, explained first-home withdrawal conditions, and coordinated with their mortgage broker to structure a pre-approval. We also arranged life and income protection aligned with their new mortgage.

Outcome

They purchased their first home with confidence, knowing their KiwiSaver was used correctly and their mortgage was protected.

Business owner

Key person cover for a plumbing company

Situation

A plumbing company with two directors needed a bank loan to expand. The bank required key person insurance on both owners.

Our Role

We assessed each director's contribution to profit, worked with their accountant on valuation, and arranged life, trauma and income protection. We also set up a buy/sell framework with their lawyer.

Outcome

The loan was approved, and the business now has a clear plan for ownership continuity.

Claim support

Income protection claim, handled end-to-end

Situation

A self-employed client developed a serious back condition and couldn't work for several months.

Our Role

We helped them lodge an income protection claim, gathered medical evidence, and liaised with the insurer. We reviewed their policy to maximise the benefit period.

Outcome

Their claim was accepted, and they received monthly payments that covered their mortgage and living costs during recovery.

Could a similar approach work for you?

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