Is your family protected if you lost your income?

Ensure you are covered, we will fit the right policy to suit your
situation with our customised and personalised service.

One size does not fit all

Your family's needs are different to others, we will provide
you with our customised and personalised service.


About Us You've come to the right place

Essential Insurances was established to take the mystery, and the misery, out of the insurance equation. We are here to make it easier for you to sleep at night knowing that if it all turns to custard, you have the knowledge and comfort knowing your income and family home is protected.

Don't wait till it's too late

We hear almost weekly about family and friends being diagnosed with serious medical problems and issues. This is when the right Trauma and Medical Cover is essential to help you and your family during those most difficult times.

One size does not fit all

Each family’s needs are different and individual to them, that’s why you need Essential Insurances to provide the right advice and tailor the correct insurance cover to suit your individual needs.

Find an Insurance Advisor

We recommend you take the time to meet one of our well trained Advisors and talk about business or personal cover.

Call Now

Call Us Today

0800 466 784

Why Choose Us  

Customer Support

Our Advisers are only a phone call away, 100% NZ owned with over 25 years of experience in the industry. Tell us what you would like to protect and we'll give you the best advice for the right cover.

Personalised Service

Every Client’s situation is different, we tailor all covers to suit the individual and/or the family, this ensures you get a bespoke service that will meet your needs.

Experienced Advisors

All our advisers regularly attend training on a weekly basis to keep up to date with changes in the industry. This enables them to explain to you the pros and cons of policies.

Client Focused

Our advisers and team pride themselves, in doing right by the client in every situation. We use the most up to date technology to ensure the process is fast and without delays in underwriting.

Happy Customers Essential Insurances Clients

Thank you Essential Insurances for sorting out my late mother's claim. Even though you had not sold her the policy or even dealt with this company, your professionalism in helping us get paid was really appreciated. Please thank Julie as well, as she always deals with things promptly.

Essential Insurances went beyond our expectations when I was diagnosed with cancer. They took control of our claim and we were absolutely thrilled with the amount that we received. We were impressed with the way Ray explained everything to us, his integrity was vital too us as our advisor.

I had a heart attack last year and had no idea that we could make a claim through the trauma insurance we took out in the 90's. Thank you for picking this up even though the insurance policy was done through another agent. You took the time to advise us with a great outcome.

Ray went through our current cover. My husband had a heart attack 7.5 years ago and the claim was declined. Ray was surprised and then underwent a full investigation as to why? After his investigation, we unfortunately were declined, however, he was able to have 7.5 years of premiums repaid back to us.

Thank you Essential Insurances and Julie for all your support, thank you Ray for starting me on this journey several years back. None of us realise until the time comes just how important it might turn out to be that we made such an important financial decision in taking out life insurance.

We were very happy with the process when dealing with the team at Essential Insurances. When we submitted a claim for heart surgery recently, it was simple, clear and fast and the claim was paid by Partners Life. Thank you for making this process so easy and for an amazing team to deal with.

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