Life’s unpredictable, your mortgage doesn’t have to be. Protect your repayments so your family can stay secure, no matter what happens.
Our Trusted Providers







When injury, illness, or job loss affects your income, your mortgage shouldn’t be the next thing to worry about.
Mortgage protection helps you keep up with repayments so your family can stay secure, even when life doesn’t go to plan.
Your home means more than bricks and mortar, it’s where life happens. Pulse Advice helps you protect it by finding cover that keeps your repayments safe if you can’t work.
We listen, compare multiple insurers, and tailor recommendations so you get protection that feels right, not just looks right on paper.
Let's start the conversation.
Get in touch for a free, no pressure, no-obligation consultation to discuss your needs. Whether it's a brand new strategy, or some minor tweaks we're on your side.
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We offer a comprehensive range of financial protection services to secure every aspect of your life
Provides a lump-sum payment to your loved ones if you pass away, which can help them manage financially.
Pays a monthly benefit, like a regular salary, if you're unable to work due to illness or injury.
A one-off payment if you're diagnosed with a specified serious illness, like cancer or a heart attack.
Covers the cost of private medical care, helping you bypass public waiting lists for treatment.
Financial support if you become permanently disabled and are unable to work again.
Expert guidance to help you make the most of your Kiwisaver, from fund selection to retirement planning.
At Pulse Advice, we’re proud of the trust our clients place in us. Here’s what they have to say about working with our team.
Insurance & KiwiSaver
"It’s a great peace of mind knowing my insurance and KiwiSaver are set up correctly.
Highly recommend Pulse Advice!"
Medical Insurance
"Michael was able to listen to our needs and came up with a solution that both my wife and I are super happy with.
He made the process very easy, stoked that we are now covered."
KiwiSaver
"Harper was great to deal with.
He took the time to explain everything clearly and made sure I felt confident with my KiwiSaver choices. Really appreciated the guidance throughout"
Insurance & KiwiSaver
"I received advice on both KiwiSaver and insurance in general.
The adviser took the time to understand my situation, explained the options in clear terms, and provided well-reasoned recommendations; process was transparent and efficient."
Life Insurance
"Michael was very efficient with the paperworks online and it was a breeze for us who are not so tech-savvy.
I would highly recommend Pulse Advice. Thanks to our trustworthy adviser Michael!"
It’s cover that helps pay your home loan if you can’t work due to illness or injury. It gives you peace of mind that your repayments are taken care of while you focus on getting back on your feet.
It depends on your policy. Income protection covers a portion of your income, while mortgage protection is specifically for your home loan. We’ll help you figure out which option makes the most sense for your situation
Your cover can usually be adjusted to match your new loan or property. It’s always best to review it when things change, and we can handle that for you.
It depends on the policy terms. Many New Zealand insurers let you choose a 2-year or 5-year benefit payment period, or pay until you reach age 65 (or even 70) if you’re still eligible.
Some policies include redundancy as an optional extra. We’ll walk you through what’s available and whether it’s worth adding based on your job security and budget.
Many insurers offer options for self-employed Kiwis. We’ll make sure your policy reflects how your income works, so you’re properly protected.
It’s straightforward. Once you’re signed off work by a doctor, we’ll help you complete the claim paperwork and liaise with the insurer to get things moving quickly.
Most people match their monthly mortgage repayments or slightly more to include household expenses. We’ll help you work out the right amount for your needs.
Ready to take the next step? Fill out our simple form, and we’ll get in touch to provide tailored advice that works for you. It’s quick, easy, and designed to make your life easier!