Most of us know someone who’s had their world turned upside down by illness, injury, or loss, yet fewer than half of New Zealanders have life insurance, and even fewer have private health cover. 

It’s easy to see why.

Between the cost of living, mortgages, and family commitments, insurance can feel like a “someday” task, something you’ll sort out later. Life and health insurance aren’t just for “older” people or those with high incomes. They’re for anyone who wants to protect their future and the people who depend on them.

That’s exactly what most people think… until something unexpected happens.
Serious illness, accidents, and sudden health issues don’t discriminate by age. In fact, setting up cover while you’re young and healthy often means lower premiums and broader options, because insurers see you as a lower risk.

What most people don’t realise is that a basic level of protection can cost less than your weekly coffee habit.

There are flexible options designed to fit different stages of life, from simple life cover that supports your family if something happens to you, to health cover that ensures you can get fast treatment without the long public wait times.

Our advisers can help you find cover that balances affordability with peace of mind so you’re not paying for more than you need.

That’s where we come in.
At The HTL Group, our advisers make it simple, we take the time to understand your situation, explain how each option works, and tailor something that fits your lifestyle and budget. No jargon. No pressure.

“Many people are surprised at how straightforward it is once we talk it through. The hardest part is just starting the conversation.”
- Lachlan Bunn, HTL Group Director & Adviser

Insurance isn’t just about money, it’s about peace of mind.

If something unexpected happens, if you have the right protection in place, your family won’t have to worry about bills, mortgage payments, or waiting months for treatment. It gives you the freedom to focus on what truly matters: recovery, security, and time with loved ones.

Click the button below to  book a chat with an HTL Insurance Adviser today!