For young families, busy professionals and business owners.
Insurance advice, aligned to your life.
You’re building something unique. We’ll help you protect it.
Meet James.
A girl dad, husband, and golf-and-fitness enthusiast, with a decade of experience marketing in the insurance and investments industry.
The thing I kept seeing: smart people who had their life in order but just hadn’t sorted their insurance. Usually because they didn’t know where to start, or who to trust.
I set up Flush to change that. Clear insurance conversations, cover aligned to your life, and someone in your corner.
Most people I work with are at a similar stage – and that’s typically when this stuff matters most. I’m sorting it too.
Not sure where to start? You’re at the right place, let’s see if we can help.
Where we can help.
Personal insurance helps protect the life you and your family are building. Here’s a quick look at what we can help with.
Life Insurance
If the worst were to happen, a lump sum payout can protect your family with breathing room to pay down debt, replace lost income, and keep things stable. It’s one many people think of first – and for good reason.
Trauma Cover
A serious diagnosis often impacts more than your health. With things like cancer, a heart attack, or a stroke, trauma cover can pay a lump sum at diagnosis, supporting the household, so you can focus on recovery.
Income Protection
If you couldn’t work, how long would your savings last? Income protection can pay a regular monthly benefit if illness or injury keeps you off work – supporting you to keep on top of the bills while you focus on getting better.
Health Insurance
Private health cover is designed to give you faster and broader access to specialists and treatment when you need it, rather than waiting in the public system – helping you get better sooner.
TPD Insurance
If a permanent disability meant you could never work again, Total & Permanent Disability cover (TPD) provides a lump sum to help clear debts, modify your home if needed, and support your family’s financial future.
Business Insurance
Business insurance helps protect your business, income, and cashflow if illness or injury takes you or a key person out of action. Shareholder protection helps make sure ownership can transfer smoothly if something happens to a co-owner.
Group Cover & Benefits
Group insurance benefits are employer-sponsored insurance policies that provide coverage to a collective workforce. They are designed to support staff wellbeing, retention and protection with a tailored employee insurance package.
KiwiSaver
KiwiSaver advice coming soon.
Access to Trusted Advisers
If you need advice on your mortgage, or home and contents insurance, we can connect you with selected specialist advisers we know and trust. Get in touch to find out how this works, or refer to our disclosure statement here.
Questions we get a lot.
Insurance can feel a bit confusing, and I get it. Every chat with us is designed to give you a little more confidence in the protection you have. Here are some FAQ’s we receive.
The question we get the most! And while the answer varies based on many factors including your age, health, smoking status and more, we generally find people surprised at just how affordable life insurance can be.
It depends on your debts, income, dependants, priorities and what you’re trying to protect. We work through these together to land on the products and levels of cover that fit your needs and finances.
When working with us, you will not pay any fees, expenses or any other amount for the advice we give you in respect of insurance products. We are paid a commission by the insurer if cover is arranged – and will explain how that works before anything moves forward.
ACC covers accidents, but generally not illness like cancer, heart disease or stroke, and that’s where people often get caught out. Personal cover aims to fill the gaps, and can top up what ACC covers if you’re injured.
Yes, and that’s the whole point of picking an adviser you plan to work with for the long haul. As your age and stage changes, your insurances should be reviewed regularly to match.
Possibly, not always. We’d need to hear a bit more about what’s going on for you first. Happy to have a quick no-pressure chat, and if it’s not a fit, I’ll point you in the right direction to someone who can help.
The process.
Some people know exactly what they’re after and just want a hand getting it sorted, which is fine by me. Most people who come to me have questions though, and want to talk it through first. The good news is it doesn’t take long. A couple of conversations is usually all it takes before we apply and get your cover in place. Here’s how it usually goes.
Ready to take a look at your cover?
Book a no-obligation chat. Come with your questions and let’s see where you and your family’s protection is at.