Care Beyond Coverage
Protect What Matters Most
Personalised life, health and income protection advice for New Zealand families and businesses.
Free consultationWhat We Cover
Comprehensive personal risk insurance solutions tailored to your circumstances.
Life Insurance
Provides a lump-sum payment to your family if you pass away — ensuring they can maintain their lifestyle, cover debts and move forward without financial stress.
Trauma Insurance
A lump-sum payment on diagnosis of a serious illness such as cancer, heart attack or stroke — giving you financial breathing room when you need it most.
Total and Permanent Disability
If a disability leaves you permanently unable to work, TPD cover provides a lump sum to replace income and protect your family future.
Mortgage Repayment Cover
Keeps your mortgage repayments on track if illness, injury or redundancy prevents you from working.
Income Protection
Replaces a portion of your income if you are unable to work due to illness or injury.
Health Insurance
Access private healthcare faster, with cover for specialists, surgery and treatment.
How It Works
A clear four-step process — from your first conversation to ongoing protection.
Free Consultation
We start with a no-obligation conversation to understand your situation, goals and what you want to protect.
Needs Analysis
We assess your circumstances and identify the cover types and levels that fit your budget.
Recommendations
We compare leading NZ insurers and present clear options — not just a policy sale.
Ongoing Support
We stay with you through implementation, claims and annual reviews as life changes.
Why Choose Care4U
Independent Advice
We are not tied to any single insurer. Our recommendations are based solely on what is right for you.
Licensed and Regulated
Care4U is a licensed Financial Advice Provider under the Financial Markets Conduct Act 2013.
Plain-Language Guidance
No jargon, no fine print surprises. We explain every policy clearly so you know what you are covered for.
Claims Support
When you need to make a claim, we guide you through the process from start to settlement.
Regular Reviews
Your life changes. Your cover should too. We schedule regular reviews to keep your protection current.
Care Beyond Coverage
We build long-term relationships — not just policies. Your wellbeing is at the heart of everything we do.
What clients say
“The team at Care4U took the time to understand our family situation and found us cover we did not even know we were missing. The whole process was straightforward, and we now have real peace of mind.”
Send us a message
Tell us what you need — we will be in touch shortly.