I still remember the day I realised how important life insurance really is. A close friend went through a tough health scare, and it hit me… what would happen to my family if something unexpected came up?

Living here in Hamilton, it’s easy to get caught up in the daily grind, but that moment made me stop and think about protecting what matters most.

If you’re like me and aren’t sure where to start with life insurance in Hamilton, don’t worry. My team and I put together a list of life insurance options in the city that can help you find that peace of mind and take that important step to secure your family’s future.

1. LifeCovered

LifeCovered only deals with life, health, and income protection insurance. This means they really know their stuff and can create plans that fit exactly what you need.

They’re not tied to one insurance company. That way, they can shop around for you and find the best policy and price from a bunch of different insurers. It’s a nice change from brokers who only push products from one company.

We got to chat with Willi Olsen, one of their advisors. He was quick to get back to us and set up a Zoom call where he showed us all the options clearly and answered our questions without making it complicated. 

He also didn’t try to tell us what to do. He just gave us the facts so we could decide what works best. Plus, the advice is free since the broker’s fees are included in the policy premiums anyway.

Their policies also come with helpful extras, like extra coverage if you get married or have kids, a break on premiums if money’s tight, and protection if you get ill.

That said, because they’re a smaller team, sometimes it might take a bit longer if you need lots of policies or very complex advice.

Very knowledgeable, professional and personal

“Willi is very knowledgeable, professional and personal. I ended up getting life insurance and critical illness insurance from him. He always replied promptly when I emailed questions to him. With level premiums, I am saving heaps, as I want to keep my cover for many years. I highly recommend Willi and his business.”

Jeff Sun, Google review

I highly recommend LifeCovered

“Chatted with Willi about group health insurance for small businesses to help keep staff motivated/onboard. His a life insurance broker based in Hamilton, highly recommend.”

Bradley, Google review

2. JIC Insurance

We liked that JIC Insurance is not tied to just one insurer. They have access to multiple well-known insurers like AIA, Chubb, and Partners Life, so they can compare options and find something that fits your needs. 

A lot of brokers can’t do this because they only offer products from one company. 

Also, instead of pushing a generic policy, their advisers take time to assess each client’s unique financial goals and circumstances. 

We heard great feedback about Endy, one of their advisers. Clients spoke highly of her professionalism and how supportive she is during the claims process.

It’s nice to know that someone will actually be there to help if you ever need to make a claim, especially since not all companies are that proactive.

They offer extras like trauma cover, income protection and total permanent disability insurance.

While that’s great if you want a full protection package, not everyone needs all of that. It’d be helpful if they made it easier to choose just a life cover on its own, for those who want something more straightforward. 

Suitable advice and excellent service

“Suitable advice and excellent service, thanks JIC insurance for helping me find the right health insurance. Hamilton needs more professionals like them.”

Xinran, Google review

Endy is always helpful and knowledgeable

“Highly recommend, experienced adviser and really helpful team. When you need to make a claim, Endy is always helpful and knowledgeable.”

Mengting Zhang, Google review

3. Priority Life

We appreciate how Priority Life don’t just help you set up a policy and then disappear. They actually check in regularly to make sure your coverage still suits your life. 

It’s nice if you’ve had a baby, bought a house, or your financial goals have changed. This follow-up is rare and useful, especially since most people don’t think about updating their life insurance unless something big happens.

Their process is also simple. You can do most things over the phone, from the first chat to applying for your policy. There’s no hard selling, either. Just honest advice.

That said, relying mostly on phone calls might not work for everyone. If you’re the type who likes to see things written down or sit down face-to-face might feel a bit too hands-off. 

Another thing that stood out to us is how much effort their team puts into explaining everything. They don’t just tell you what policy to get but also break it down so you understand what’s covered, how it works, and what happens when you need to claim.

We also heard from a client that her advisor not only helped set up the insurance but also followed up on an ACC claim that had been dragging on for months. They kept her in the loop and even helped move the process along faster.

Absolutely amazing experience with Zak

“Absolutely amazing experience with Zak! Not only did he help us secure Life Insurance as well as Health insurance. He has followed up with ACC on a claim that we have been waiting months for to be approved. He sped up the process and kept us in the loop every step of the way. Communication was fantastic, would definitely recommend for anyone looking at getting insurance!”

Courtney Payton, Google review

He was able to help us choose the best option for us

“Zak helped us get life insurance for us and health insurance for our little one. He has a lot of knowledge and was able to help us choose the best option for us! We highly recommend Zak, he is a great guy and made choosing the right insurer so much easier!”

Marizka Garrett, Google review

4. insuranceBASE

Right away, we noticed how much effort insuranceBASE put into making everything less confusing. Most insurance companies use way too complicated language, but they keep things simple.

They explain everything in plain terms, which makes it easier to understand what you’re actually signing up for. 

Another thing we liked is how personal their service feels. They take the time to learn about your life and recommend a plan that fits.

A few of the people we spoke to said they never felt pressured or sold to, which is rare these days. It seems like their goal is to help you get just the right amount of cover, not more than you need.

That said, because they focus on simplicity and tailoring policies, they don’t offer as many complex products or bundled insurance options as larger providers do. 

For someone looking for a life insurance plan that includes investment features or riders, the selection might be more limited. 

She was great to communicate with, and I would highly recommend her to others

“Wilhelmina went above and beyond to find the correct insurance providers and policies for my family. It seemed a daunting task getting life and health insurance sorted, but Wilhelmina made the whole process easy. She was great to communicate with, and I would highly recommend her to others.”

Sharna Hollister, Google review

They replied promptly and answered all the questions I had

“InsuranceBASE made it so easy for me to increase my coverage. They replied promptly and answered all the questions I had, making my life easier! Thanks again, Lynette and Gavin”

Lizzie Walker, Google review

5. Waikato Mortgage & Life Brokers Ltd

Waikato doesn’t just push the same insurance plan on everyone. Since 2005, they’ve been focusing on making sure each person gets insurance that actually fits their unique situation and goals.

They’ve got experts like Shaan Bhatia on their team, who know a lot about life, health, and disability insurance. Having someone who understands the tricky stuff means they can help you find the right coverage without all the headaches. 

We also heard about a client who went through a tough time with a serious health issue. Shaan helped her with their insurance claim and didn’t give up even when the insurance company tried to reject it. We really appreciate that.

Plus, they don’t just stop at life insurance. They also help you connect it with your mortgage, so your home and finances are covered together.

On the flip side, their prices are a bit higher compared to some other places. But you’re paying for the extra personalised advice and care. They might not be the best fit, though, if you’re looking for something quick and cheap.

Took the time to listen and understand our situation

“Nitin has been great to deal with. We asked him to complete a full review of our life insurance policies. He had a genuine approach, taking the time to listen and understand our situation to ensure we had the most appropriate cover for our position. I would highly recommend Nitin and Waikato Mortgage & Life Brokers Ltd.”

Brendon Woods, Google review

Listen to our questions and suggests the options that are most suitable

“Nitin has been our insurance broker for many years. He is always very informative, takes his time to listen to our questions and requests and suggests the options that are most suitable. We would highly recommend Nitin to anyone.”

Sandra Jones, Google review

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