First home buyer or experienced residential or commercial property investor? We have experience, and specialise, in all of these areas and we love to talk..
Insurance is The Smartest Way to Safeguard What Matters Most
Make Sure You’re Protected Against
the Unexpected
Decades of Real-World Experience Across NZ and Abroad
With a long career in financial services, I bring a wealth of practical knowledge and diverse insight to every client interaction.
Trusted Expertise in All Areas of Insurance
From individuals and families to farmers and business owners, I’ve provided tailored protection plans for a wide range of clients throughout my career, ensuring everyone has access to the right cover at the right time.
Values-Driven Service
My goal is to remove the confusion and hesitation around insurance so you can make confident decisions for your future and loved ones.
Family-Focused, People-First Philosophy
I understand the importance of protecting your family’s future. I bring that same care and commitment to each client, treating your goals like my own
Deep Local Roots with Nationwide Perspective
I combine local understanding with a nationwide perspective, offering personalised advice that’s grounded in real New Zealand values.
Personal Experience with the Power of Protection
I’ve personally lived through the importance of being financially protected and I bring that perspective to every conversation.
Flexible, Modern Approach
From a desire to merge real-life experience, professional expertise, and a modern, client-first approach, you’ll always feel supported, informed, and in control.
Support Without Pressure
Insurance can feel overwhelming. That’s why I start with a simple, no-pressure chat to understand your needs and help you make informed choices without the jargon.
Our Insurance Advisory Services:
Life Insurance
Life insurance provides financial protection for you and your loved ones in the event of death or a terminal illness.
It pays out a lump sum that can be used for various expenses, such as paying down or off a mortgage, clearing debts, covering funeral costs, or replacing lost income for general living expenses.
The amount of coverage you need depends on your financial situation and what you want to ensure happens in the event of your death or the death of your partner.
Critical Illness Insurance
Critical illness insurance, also known as trauma insurance, provides a lump sum payout if you are diagnosed with a serious illness or injury.
This type of insurance is designed to offer financial support during a challenging time, helping with costs associated with treatment and recovery.
It's often recommended alongside life insurance to provide a more comprehensive protection package.
There are various levels of cover available, ranging from comprehensive plans to more limited, cost-effective options that cover only specific serious conditions.
Mortgage or Rent Repayment Cover
Mortgage repayment insurance, often called mortgage protection insurance, provides financial assistance to cover your mortgage or rent payments if you become unable to work due to illness or injury. It’s a type of disability insurance that helps ensure you can continue meeting your mortgage obligations, even if your income is temporarily or permanently affected.
Having a secure place to live is fundamental to maintaining your standard of living and can support your recovery from an illness or injury.
Payments are typically made in addition to ACC, and understanding the excess (waiting) periods is an important part of selecting the right cover.
Health Insurance
Health insurance, or medical insurance, provides financial protection against the costs of private medical treatment. It allows you and your family to access private hospitals, clinics, and specialists, potentially reducing waiting times and offering more choice in healthcare providers.
There are many types of cover and options to consider when looking at medical insurance, including surgery-only cover, hospitalisation, specialist extensions, optical and dental benefits, excess options, and which sections those excesses apply to.
David Has Your Best Interests at Heart
Why Choose David?
David’s Insurance and KiwiSaver know how is extremely vast, you name it, he’s dealt with it. He knows how tough it can be if you’re not protected and is here to guide you the best he can to ensure you’re never in that situation.
Call David on 021 0859 0843
Email: David@khfinancial.co.nz