Life and Health Insurance Advice in Christchurch
Aynsley and Associates provides personalised insurance advice to Christchurch families, professionals and business owners, as well as clients throughout New Zealand. We help you understand your risks, compare suitable cover and structure an insurance programme designed to protect your income, family and financial future.
Why Life Insurance?
Life insurance is about protecting what matters most—your family, your business, and your financial future. It ensures that in the event of the unexpected, your loved ones are supported, debts are covered, and long-term goals remain within reach.
At Aynsley and Associates, we believe life insurance is an essential part of a well-rounded financial plan. It provides peace of mind, knowing that your family will be looked after, mortgages and other financial commitments can be met, and businesses can continue to operate smoothly.
Financial Security for Your Family
If something happens to you, life insurance provides your loved ones with a financial safety net. It helps cover everyday expenses, replace lost income, and ensure your family can maintain their standard of living.
Debt & Mortgage Protection
A life insurance payout can help settle outstanding debts, including a mortgage, personal loans, and educational costs. This prevents your family from being burdened with financial stress during an already difficult time.
Security When You Can’t Work
An illness or injury could prevent you from working for weeks, months, or even years. Insurance can ensure you can continue meeting financial commitments like mortgage payments, household bills, and everyday living expenses.
Business Continuity & Succession Planning
For business owners, life insurance can ensure the smooth transition of a company by covering expenses, funding buy-sell agreements, or providing key person protection to keep operations running.
Our Numbers
Decades of specialist experience, long-standing client relationships and insurance programmes designed to protect what matters most.
$793M+
Life, trauma & TPD cover managed
$726k
Average life cover sum insured
$485M+
Total income protection benefits payable
1900+
Lives protected
63 years
Advising New Zealanders
10 years
Average age of policies under management
Life Insurance Solutions
Life insurance can be complex, with a wide range of products available from multiple providers. Choosing the right coverage to suit your personal circumstances requires careful consideration. At Aynsley and Associates, we have the expertise to assess your unique needs and recommend a tailored solution that aligns with your financial goals and budget. Our guidance ensures you receive the right protection with confidence and clarity. Some of the options available are:
Life Cover
Provides a lump sum payment if you pass away or are diagnosed with a terminal illness. It helps repay debt, cover expenses, replace lost income, and provide financial stability for your family.
Trauma Cover
Also known as critical illness cover, this provides a lump sum if you are diagnosed with a serious medical condition such as cancer, heart attack, or stroke. This payout can help cover treatment costs, mortgage payments, or everyday expenses while you recover.
Income Protection
Pays a percentage of your income if you are unable to work due to illness or injury. This ensures you can continue meeting financial commitments, such as mortgage payments, children's education costs, and daily expenses while focusing on recovery.
Mortgage Protection
Designed to cover your mortgage repayments if you are unable to work due to illness, injury, or redundancy. This helps safeguard your home and provides peace of mind during difficult times.
Total & Permanent Disability
Provides a lump sum payment if you become permanently disabled and are unable to work again. This can help cover medical expenses, rehabilitation costs, home modifications, or ongoing living expenses.
Private Health Cover
Covers the cost of private medical treatment, giving you faster access to specialists, diagnostic tests, and elective surgeries. It helps reduce wait times and ensures you receive the best possible care when you need it.
And More
Insurance is a vast topic. Other benefits include Key Person cover, Loss of Revenue cover, Specific Injury coverage, Household Expenses cover, Terminal Illness cover, Funeral Cover, Hybrid products, and more.
Why Aynsley and Associates?
Advice Technology
Aynsley and Associates have developed advanced advisory modelling tools to precisely assess your current and future insurance needs. Our tailored approach ensures you have the right level of coverage to protect your financial security at every stage of life.
Industry Experience
Aynsley and Associates are multi-generational life insurance practitioners. We continuously strive to be at the forefront of insurance innovation and have been recognized as industry leaders in New Zealand.
Sector Specialist
We master what we do – and we only do what we master. Aynsley and Associates only advises and places insurance policies in the life and health insurance domain.
Frequently Asked Questions
What types of insurance can you advise on?
We specialise in life and health insurance, including life cover, trauma cover, income protection, mortgage protection, total and permanent disability cover, private medical insurance and business protection. We assess how the different types of cover can work together based on your circumstances, financial commitments and priorities.
How much life insurance do I need?
The appropriate amount depends on your mortgage and other debts, household income, dependants, business obligations and the financial future you want to protect.
Aynsley and Associates has developed comprehensive insurance modelling tools that assess the cover you may need today and forecast how those needs could change in the future. By considering factors such as debt reduction, income, inflation, family responsibilities and existing assets, we can recommend an insurance programme designed to remain appropriate as your circumstances evolve.
Can you review insurance policies I already have?
Yes. We can review your existing policies to identify potential gaps, overlaps or cover that may no longer suit your circumstances. A review does not necessarily mean replacing your current insurance; retaining existing cover may be appropriate, particularly when health, policy terms or pricing have changed.
Can I obtain insurance if I have an existing medical condition?
An existing condition does not automatically prevent you from obtaining insurance. Insurers assess applications individually and may offer standard terms, adjusted premiums or an exclusion relating to a particular condition. We can help you understand the application process and assess the options available from appropriate insurers.
Some medical insurance policies may provide cover for eligible pre-existing conditions after a stand-down period. Availability, timeframes and terms vary between insurers and products.
What does working with a financial adviser cost?
Aynsley and Associates does not charge you a fee for the insurance advice we provide. If we arrange a new insurance policy for you, we receive a commission payment from the insurer once the policy begins.
This means you do not pay us directly for our advice. The nature of this remuneration will be disclosed and explained to you as part of our advice process.
Not sure what cover you need?
We can review your circumstances, existing policies and future protection needs.
