The safety net for when life takes an unexpected turn, protecting you and your family from financial strain.
Our Trusted Providers





Kiwis tend to live by the “she’ll be right” mentality. But the truth is, most of us don’t have much of a financial buffer, and we rarely plan for when things go wrong.
We’ve all seen how quickly life can flip on you. So the question is, then what?
That’s why it matters to have the right safety net in place. So if something does go wrong, you’ll be alright.
There’s no one-size-fits-all. The right cover depends on your life, your income, your health, and what you actually care about protecting.
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!"
Everyone’s situation is different, we all have different tolerances for risk and different appetites for premiums.
A good place to start is by asking: what would happen if you were suddenly out of the picture? Would your family be okay? Could the bills still get paid? Would you be able to afford treatment if your health took a hit?
If the answer’s “not really,” then yeah, we should probably have a chat.
New Zealand’s great, we’ve got a lot of government support systems.
But they’re designed to be safety nets, not full replacements. The government isn’t covering your mortgage or your Netflix subscription.
Insurance exists to help you maintain your lifestyle if something goes wrong, so you don’t have to take a big step backwards just to stay afloat.
That depends on where you're at in life, what you’ve already got in place, and what risks you're comfortable carrying.
We’ve seen it all and know how to spot the gaps. We’ll work through your situation with you and help figure out a level of cover that makes sense, not more than you need, and not less than you’d regret.
We hate paperwork too. Luckily for you, it’s on us. We’ll handle the admin, explain the fine print, and keep the jargon to a minimum. You just have to show up.
Nope.
For most of what we do, we’re paid by the providers and it doesn’t change what you pay in premiums. If there’s ever a cost to you (rare), we’ll be upfront about it.
You can check out the full breakdown anytime in our public disclosure document.
No worries.
Chances are it hasn’t been reviewed in a while, and your life might look a bit different now.
We’re always happy to take a look and give you a second opinion.
We’ll walk you through it.
Most of it can be done online, but if you’d rather meet in person, we’re more than happy to make that happen.
Most of the time there are no waiting periods once your policy is in place; however, some benefits do have waiting periods, especially if you want pre-existing conditions to be covered.
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.
Click below to fill out our contact form.
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!