Auckland · Licensed financial adviser
Most people are quoted a policy before anyone has worked out what they actually need. I do it the other way round: put your numbers on the table first, then decide whether anything needs buying at all.
Six free calculators, no email needed to use them. Two decades advising families and business owners in New Zealand. LL.B, MBA, MDRT.
Six free calculators
Each one takes two minutes and gives you a figure you can argue with. Nothing is sent anywhere until you choose to send it.
What your household needs if your income stopped tonight — and how much of it is already funded.
Open calculatorIf a key person could not work for six months, what would the business lose — and could the others buy the shares?
Open calculatorThe income to replace while you cannot trade, and the debt the bank still wants if the person behind it is gone.
Open calculatorTwelve record-keeping checks a trustee has had to be able to answer since the Trusts Act 2019.
Open calculatorWhere personal liability actually sits — solvency, reckless trading, due diligence, personal guarantees.
Open calculatorWhat absence and turnover already cost you — and whether a team scheme pays for itself.
Open calculatorThese are educational calculators, not advice. They apply published formulas to figures you type in; they do not know your policy wording, your health or your trust deed.
What I cover
Not everyone needs all six. Most people need two, and the order matters more than the products.
If you died tonight, would the mortgage still be paid, and could your family stay in the house? Life cover is the plainest product in the market and the one most often bought at the wrong size — usually because nobody calculated the number first.
Cancer, heart attack, stroke. ACC does not cover illness, and treatment often means months away from work at the same time as unplanned costs. Trauma cover pays a lump sum on diagnosis, so the decisions you make are medical rather than financial.
Your ability to earn is the asset everything else sits on. This pays a monthly benefit if illness or injury stops you working — and unlike ACC, it does not stop at the workplace door.
The difference between waiting and choosing. Health cover is about how quickly you get seen, and by whom — which is a different question from whether treatment is funded at all.
What happens to the shares, the bank facility and the clients if a partner dies or cannot work. Usually three separate documents: the agreement, the valuation, and the funding. Most businesses have none of them.
A scheme your team actually notices — health, life, trauma, income protection — costed per head, with the tax treatment confirmed by your accountant rather than assumed.
For employers
Every business funds illness and turnover through lost days, rehiring and clients who drift. A team scheme moves that cost into a predictable line, and gives people a reason to stay.
Availability depends on insurer criteria and your team's ages and locations. How premiums are treated for tax depends on who owns the policy and who benefits — please check your own position with a tax specialist.
How it works
You bring the figures — income, debt, savings, existing cover. We put them into the calculators together and look at what is genuinely unfunded. No products are discussed in this meeting.
If there is a gap, I show you two or three ways to close it, with the cost of each and what it does not cover. You take it away and think. Nothing is signed in the room.
Only if you decide to proceed: application, underwriting, and a written record of what was recommended and why. Then an annual review, because your numbers will change.
WeChatScan to connect — most clients message here first.
About
我是梁艳 Caroline Liang，来自 ICIB AssureMe Team，拥有20+年金融服务经验，资历包括 LL.B、MBA、MDRT。
我帮助家庭、专业人士和企业主梳理风险，理解已有保障，并结合收入、负债、家庭责任和预算检视保障需要。
企业保障可以从关键人物、股东安排、业务持续性及员工福利几个角度讨论，先厘清需要，再比较合适的选择。
如果保单已持有多年，可以先整理现有条款与生活变化，再讨论哪些保障值得保留、检视或调整。
LinkedIn ↗Questions people actually ask
ACC covers accidents at work or on the road, at up to 80% of your income. It does not cover illness — cancer, heart attack, stroke, or a condition that keeps you off work for months. For most households the illness gap is the larger one, and it is the one income protection and trauma cover exist for.
KiwiSaver is a retirement savings scheme, not protection. You can apply for a hardship withdrawal in serious circumstances, but it is discretionary, it may take weeks, and it permanently reduces your retirement balance. It is a last resort, not a plan.
Usually by commission from the insurer when a policy is placed, and sometimes by an agreed fee instead. Which one applies to you will be disclosed in writing before anything is put in place — along with any conflict that creates. If a recommendation is fee-based, you will know the amount in advance.
No. The six calculators are free and always will be, and you can print the result and take it to another adviser. If you want the numbers checked by a person, that is what the review is for — and the fee for it is credited against any advice fee if you go ahead.
It depends on the condition and the insurer's underwriting, and it is rarely a simple no. Some conditions are accepted as standard, some carry an exclusion or a loading, and some are declined for a particular benefit but accepted for another. The honest answer is that we apply and find out, rather than guessing in advance.
Yes — 中文 or English, whichever you think in. Documents can be explained in either language, though the policy itself will be issued in English by the insurer.
Next step
Tell me the situation in a sentence — a mortgage, a business partner, a team of nine — and I will tell you whether it needs a meeting. WhatsApp is usually fastest.