Life & Health Insurance

Protect Your Income. Protect Your Future.

Your income is your most valuable asset. If your income stops, your financial plan is exposed. Protection isn’t about fear. It’s about stability.

"Without structure, a temporary setback can become long-term financial stress."

The Risk Most
People Underestimate

Many people rely on basic workplace cover, minimal ACC understanding, policies set up years ago, or no cover at all.

But financial vulnerability doesn’t just come from death.

It comes from illness, injury, inability to work, and long-term medical treatment.

Illness

Unexpected health challenges that halt your earning capacity.

Injury

Accidents that lead to extended time away from your profession.

Inability

The structural risk of being unable to fulfill your role.

Medical

The high cost of long-term treatment and recovery.

Our Approach

We don't sell policies.

We structure protection around your real exposure. That means building cover that supports your financial framework — not overwhelms it.
01

Understanding your income and debt levels.

02

Evaluating support for your dependents.

03

Mapping your future plans and goals.

04

Assessing your personal risk comfort.

The Axico Standard

Structured Protection

Life Insurance

Ensures debts can be cleared and dependents supported if something happens to you.

Income Protection

Replaces income if illness or injury prevents you from working.

Critical for Professionals

Health Insurance

Access to faster treatment and reduced uncertainty around medical costs.

Trauma Insurance

Provides a lump sum for serious illness — giving financial breathing room during recovery.

"Because protection should support your strategy, not distort it."

Precision Matters

Underinsuring can leave families exposed. Overinsuring can cost thousands unnecessarily over time. The goal isn’t “more cover.” It’s appropriate cover.

For Business Owners

When income depends on you, risk multiplies.

We help structure protection around personal income, business continuity, key person risk, and debt obligations. So one unexpected event doesn’t destabilise everything you’ve built.

The "Protect" Stage of Your Strategy

Life & health insurance reinforces your lending structure, your investment plan, and your long-term wealth strategy. Everything connects.

Calculated

Cover levels aren't guessed; they're calculated based on your total profile.

Integrated

Connecting lending, KiwiSaver, and protection into one unified framework.

Intact

Ensuring your financial structure stays intact if the unexpected happens.

Common Misconception

"I'm young and healthy I don't need it yet."

Affordability

Age and health often make cover more affordable and easier to secure.

Withstanding Risk

The question isn't whether something will happen. It's whether your structure could withstand it.

Protect It Properly

Financial progress takes years. Protection ensures one event doesn’t undo it. Start with a review.