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.
Kia ora, I’m 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.
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.
Why choose Flush?​
A few things we think are important when picking your adviser – and what you’ll get from working with us.
Before becoming a qualified financial adviser, James spent 13 years in marketing – the last ten in financial services, across investment management and insurance broking. He spent those years figuring out why this stuff is so hard to understand, and how to explain it better. That same thinking goes into every advice conversation.
Conversations start with understanding you – your family, your goals, what you’ve already got in place. The recommendation comes from there.
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.
Insurance can feel like a lot. Every chat with us is designed to leave you understanding more about where you’re at, and confident about your protection.
35. Two young kids. Mortgage. Active lifestyle. A family worth protecting. We’re not giving advice from a position of detachment. Having aligned insurances to our life, we know exactly what that process feels like.
Once your cover is in place, we’re your first call. From answering policy questions to supporting you with a claim, we’re here for the long haul. That’s what having your own adviser is all about.
The process
Most people find it only takes a couple conversations before we apply for cover. Here’s a summary of the key steps.
Getting to know you
The first meeting is about understanding your situation – your family, income, debts, cover in place, and what would happen if something went wrong. It’s the foundation for everything that follows. It takes about 30 minutes, over video or in person in Auckland.
Research & Analysis
After our first meeting, we analyse your situation, and build a recommendation based on your priorities and needs. The types of cover, level of cover and the cost. This is where our expertise comes in, and it’s what we prepare for our second conversation.
Recommendation & Application
In the second conversation, we walk you through the recommendation. You can ask anything, we make adjustments as needed and nothing proceeds until you’re comfortable. Once it all makes sense, we start the application.
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.