Get Life cover you can trust. Plan the financial future of your loved ones.

It’s recommended that everyone reviews their level of life insurance cover whenever they experience a change in income levels, or change in life stages. There are many reasons why you might need life insurance and different types of life insurance cover.

Making personal insurance easy. Protect yourself and your loved ones against the unexpected.

Most people wouldn’t dream of having an uninsured house or car, but often neglect insuring their ability to earn an income and protect their family. Unfortunately many New Zealanders don’t have personal insurance that could provide the financial support to make it easier for those affected to get through a hard time.

Taking care of Business Insurance Managing risk, whatever the size of your business.

Kiwis are an enterprising bunch. It’s been estimated that there are over 460,000 small businesses here in New Zealand. Whether you employ 1 or 1000, managing risk always starts with your most important asset – you.

Personal Insurances Tailored For You Personal insurance is designed to protect what can be the most important parts of your life: your family and your health, your lifestyle and your future. This can be especially important at pivotal moments such as getting married, buying a home or starting a family or business – enabling you to be in control should the unexpected happen.

Life Insurance

Helps to protect the lifestyle and future of your family and loved ones if you die. The policy pays a lump sum if you die or are diagnosed with a terminal illness.

Kids Cover

Kids Cover helps you protect your children financially. The first $10,000 of cover per child is free when you take out your own Asteron Life Personal Insurance Policy.

Trauma Cover

Helps you recover from serious illness or injury without the money stress.

Cancer Cover

Helps if you get cancer, even in the early stages.

Total and Permanent Disablement Cover

Helps with the big things if you can’t work again.

Income Protection Insurance

Helps you pay the bills until you can work again.

Taking care of Business Insurance Being the boss can be exciting and rewarding and as a business owner, we appreciate the responsibilities and risks that can come with becoming and staying successful.

Protecting your business against property loss or damage is important, but have you considered the importance of your most valuable asset – yourself and the people you rely on?

Business Expenses Cover

Helps keep your business running by paying your business expenses for up to 12 months.

Business Disability Cover

Injects money into the business to help after you or a key person in your business becomes seriously ill or hurt.

Farmers Disability Cover

This is similar to Business Disability, but is specifically designed for farmers.

About Us

You’ve taken the first important step… Making sure those you care about will be financially secure if the unexpected happens.

Risk Management Specialists can help to ensure that you have the right insurance protection in place to take care of yourself and your family.

Why have an Insurance Adviser?

Life Insurance is available everywhere, online at the grocery shop and some department stores but there is no advice when you buy direct.

If a policy is cheaper, there is a reason, and usually it is because something is not included, even though you may think it is.

As your adviser I make sure you know exactly what your insurance policy will do and when.

Why select Risk Management Specialists as your adviser?

As your Insurance Adviser, we can help you zero in on what’s really important to you and your family and identify situations and issues that you may not have considered.

As your priorities change we provide customised advice to help you keep your insurance plans up-to-date to match your changing needs.

We are committed to providing a comprehensive and personal service to all of my clients.

Get a free no obligation quote now. Please contact Risk Management Specialists to receive a free no obligation quote.

Risk Management Specialists Team Our team at Risk Management Specialists are experienced and qualified in creating personal and commercial insurance policies to meet all your needs.

Qualified Insurance Advisor

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Frequently Asked Insurance Questions If you would like to discuss your insurance questions with us directly, give us a call at (04) 298 6519 or email

What is life insurance?

It’s where an insurance company agrees to pay you an amount of money if you die or become terminally ill. In return you pay the insurance company regular, often monthly amounts called premiums. This is how the Life Cover policy from Risk Management Specialists works.

What should I look out for when buying life insurance?

You need to be comfortable that you’re with an insurance company that you can trust to pay out on your claim. All New Zealand licensed insurance companies must have a financial strength rating and this can be a good indicator of their ability to pay out on claims. Most importantly however, you should understand your requirements and the amount of cover you need.  It is also important to understand the terms and conditions of the policy you choose.

Can I get a lower cost if I contact the insurer directly?

No. Risk Management Specialists is able to offer the insurers’ “standard” premiums, so they are the same whether you start your policy through us or head to the insurer. Buying your insurance through Risk Management Specialists means you not only get your insurance cover – you also get ongoing assistance and advice whenever you need it, absolutely free of charge.    

Does Risk Management Specialsists help with any ongoing service?

Risk Management Specialists advisers are dedicated to understanding your individual needs and building a lifetime relationship with you, your family (and/or) business partners. We’re here to help with questions,changes to your cover, and of course claims. You will have our personal support, from quote to claim.

Who needs life insurance?

If you have people who depend on you for financial support then you should seriously consider life insurance. If something happens to you a life insurance payout could help the people important to you with paying any outstanding mortgage amounts and maintaining their lifestyle, depending on what level of cover you choose.

What happens if a claim has to be made?

If you need to make a claim, please contact us immediately. Depending on the nature of the claim, you will be required to supply certain information to process it, including a completed claim form, a death certificate, your policy document, coroner’s reports, or other material as required by the insurer. Your Risk Management Specialists adviser can help with this.

What’s a Free Look Period?

A Free Look Period is required by law, and allows you to review your policy upon its receipt by you to make sure it’s suitable for you. If you choose not to proceed with your policy during the free look period, the premium you have paid will be refunded, and the policy cancelled.

Can I change the amount I’m covered for?

Yes, you can reduce your cover at any time. If you want to increase your cover, you’ll need to answer a few simple questions about your health to ensure you are eligible to increase.
21 Quadrant Heights
Paraparaumu, Wellington 5032