Who We Help

Financial advice built around your family - not just your policies.

Practical guidance for mortgages, children, and long-term financial security.

Why tailored advice matters

The real risk window.

Young families in New Zealand are often in the highest-risk financial window of their lives. Mortgage commitments are high, one income may be reduced, and dependents rely entirely on your ability to earn.

Most families are either uninsured, underinsured, or still using cover designed for life before children. Advice needs to be structured around today's responsibilities, not yesterday's policy settings.

Key risks and gaps

!Mortgage vulnerability if one earner dies or cannot work.
!ACC gap: illness and mental health claims are not covered by ACC accident support.
!KiwiSaver fund mismatch and delayed growth from staying in default settings.
!Life cover that only reflects debt, not childcare and long-term living costs.
!Estate basics not aligned (beneficiaries, ownership, and wills).

What Smiths Insurance and KiwiSaver covers

Life insurance structured around full family financial needs.
Income protection for illness and injury with practical wait-period settings.
Trauma cover for serious diagnoses and recovery periods.
KiwiSaver strategy for both partners, including first-home planning where relevant.
Home and contents insurance plus mortgage protection options.
Annual reviews as income, children, housing, and goals change.

Your financial checklist

01Do you have life cover beyond just the mortgage amount?
02Does income protection cover illness as well as accidents?
03Have you reviewed KiwiSaver fund type in the last two years?
04Are KiwiSaver beneficiary nominations up to date?
05Do you hold trauma cover for major medical events?
06Is home and contents cover aligned to your actual household value?
07Have you reviewed cover since having children?