Whatever it is you treasure, we can help you protect it.
Medical Insurance
Unlock a World of Possibilities with personalised medical insurance. Let us help you navigate the complexities of healthcare coverage, empowering you to prioritise your well-being, and achieve financial peace of mind. From tailored plans to exceptional support, we’ll be your trusted advisor every step of the way. Experience the freedom to choose top-quality care, safeguard your health, and embrace a life of vitality. Together, let’s create a roadmap to a healthier and happier you.
Total Permanent Disability (TPD)
Life can be unpredictable, but with our comprehensive coverage, you can be prepared for any outcome. Total Permanent Disability Insurance offers a safety net that ensures financial stability and peace of mind in the event of a debilitating injury or illness. Our expert advisors will guide you through the process, tailoring a plan to fit your unique needs. With Total Permanent Disability Insurance, you can experience the freedom to focus on recovery and rebuilding your life, knowing that you have a robust support system to rely on.
Life Insurance / Trauma Cover
Life is a precious journey, and our personalised insurance solutions ensure your loved ones are protected every step of the way. With our expertise, we’ll guide you towards a plan that offers financial security, peace of mind, and a lasting legacy. From providing for your family’s future to preserving your hard-earned assets, our tailored coverage ensures that your wishes are fulfilled, and your loved ones are supported during life’s unexpected twists. Let us be your trusted advisor, weaving a safety net that embraces your goals and protects what you cherish most.
Income Protection / Key Person Insurance
Life is full of surprises, but with our personalized coverage, you'll never miss a beat. Protect the engine of your business or career and ensure your income stream remains intact during unexpected challenges. Our expert team will craft a tailored plan to shield you from the financial impact of disability or critical illness. From business owners to high-earning professionals, we've got you covered. Experience the freedom to focus on what you do best, knowing that your hard-earned success and dreams are safeguarded. Let us be your shield against life's uncertainties and open the door to a future brimming with confidence and prosperity.
Frequently Asked Questions
Common questions about insurance advice, answered by Financial Matrix in Kerikeri.
What does an insurance adviser do?
An insurance adviser helps you understand the risks you want to protect against, explains the types of cover available, and recommends cover that suits your needs and budget. An adviser can also help you through the application process and review your cover with you over time. At Financial Matrix, that advice comes from Andrew Smits, who has over 20 years of experience in the insurance industry.
What is the difference between life, trauma, TPD and income protection insurance?
In general terms: life insurance pays a lump sum if you die, and some policies pay out earlier if you are diagnosed with a terminal illness. Trauma cover pays a lump sum if you are diagnosed with one of the serious illnesses or conditions listed in the policy, such as some cancers, heart attacks or strokes. Total permanent disability (TPD) cover pays a lump sum if illness or injury leaves you permanently unable to work, as defined in the policy. Income protection pays a regular monthly benefit, usually a share of your income, if illness or injury stops you working for a time. Key person insurance protects a business against the loss of someone it depends on. Exactly what is covered, and when a policy pays, depends on its terms, so it is worth talking through which mix makes sense for you.
Do I need medical insurance if I'm covered by ACC?
ACC covers injuries from accidents, but it generally doesn't cover illness, such as cancer or heart disease. Private medical insurance is designed to help with the cost of private treatment, such as specialist consultations, tests and surgery, so you are not relying only on the public system and its waiting times. Whether it is right for you depends on your circumstances and budget, which is something we can talk through with you.
Should I review my existing insurance?
It is a good idea to review your cover when your life changes, for example when you buy a home, start a family, change jobs, start a business or approach retirement, and every few years even if nothing major has changed. A review checks that your cover still fits your needs and budget. If you are thinking about replacing a policy, get advice first: a new policy may not cover pre-existing conditions that your current policy does.
What happens at the first chat?
The first chat is a conversation about you: your family, your work, your finances, any cover you already have and what you want to protect. Andrew will explain how the advice process works and answer your questions. If you have existing policies, it helps to have their details handy. To arrange a time, call 027 223 7762, email hello@financialmatrix.co.nz or use the contact form.
Do you work with clients outside Kerikeri?
Financial Matrix is based in Kerikeri, in the Bay of Islands, Northland. If you live further afield, get in touch and ask: we will let you know how we can help and the best way to meet.
Is Financial Matrix licensed?
Yes. Financial Matrix Limited (FSP1000966) holds a full licence as a Financial Advice Provider, issued by the Financial Markets Authority (FMA), and Andrew Smits is a registered financial adviser (FSP1004282). You can check both on the public Financial Service Providers Register; links are on our disclosure page.