Personal Insurance
Your financial plan is only as strong as its protection. Personal insurance ensures that if the unexpected happens, your income, your health, and your family are covered — and your financial progress is not undone overnight.
Personal insurance
Protecting everything you have worked for
Most people insure their car and their home without question. But the asset that generates all of your other wealth — your ability to earn an income — is often left completely unprotected. We help you close that gap.
Do you have the right cover in place if you were to become seriously ill, injured, or unable to work? Does your current insurance reflect your life as it is today — your income, your mortgage, your family, your health?
Insurance is not a set-and-forget decision. Your coverage needs change as your life changes. We review your personal insurance regularly and make sure it is always aligned with what you actually need — not what you signed up for years ago.
Our personal insurance services
We advise on the full range of personal insurance products available in New Zealand. Each service below links to a dedicated page with full details.
Ensure your family is financially protected if you die — covering debts, replacing income, and providing long-term security for the people who depend on you.
Access private medical treatment when you need it, without waiting lists — protecting both your health and your finances from the cost of unexpected illness.
Receive a lump sum payment if you are diagnosed with a serious illness such as cancer, heart attack, or stroke — covering treatment costs and income loss during recovery.
Replace your income if illness or injury prevents you from working — keeping your mortgage, your savings, and your family’s living costs on track while you recover.
Long-term financial protection if a permanent disability prevents you from ever returning to the workforce — securing your financial future when income protection is not enough.
Ensure your mortgage repayments are covered if you die, become seriously ill, or are unable to work — protecting your family’s home whatever happens.
What's Included
Personal insurance covers a wide range of risks — from the loss of your income due to illness or injury, to the cost of private health treatment, to the financial impact on your family if you were to die. Getting the right mix of cover is as important as having any cover at all.
We assess your full situation — your health, your income, your debts, your family obligations — and recommend a personalised insurance strategy that provides genuine protection without unnecessary cost.
Personalised insurance needs assessment
We conduct a thorough review of your current cover, your financial position, and your life circumstances to identify gaps, duplications, and opportunities to improve your protection.
Access to multiple insurers and policies
We work across the market to find the cover that best fits your situation and budget. We are not tied to a single provider, which means our recommendations are genuinely independent.
Ongoing cover review and updates
Your insurance needs change over time. We review your cover regularly and update it when your life changes — so you are never under-insured or paying for cover you no longer need.
Claims support and advocacy
When you need to make a claim, we are there to support you through the process — making sure your claim is handled correctly and that you receive everything you are entitled to.
What people say about Collaborative Consulting
“I got to know John whilst working with him in developing his company’s brand principles to strengthen the emotional connectedness with his clients. During this period, I gained a deep understanding of John’s ethics and strong desire to help people both through the good times and the bad times.
His strongest desire is to make a tangible difference for his clients and future generations of their family. John has a strong sense of family, he believes strongly in wanting to contribute back to the community.
I can honestly say I have not met a financial adviser where money is not the financial driver for him, it’s much more personal, it’s about making a difference. I’d recommend anyone who wants certainty in their financial investments talk to John.”
Michael Major BA (Hons) MDM
Property Development Consultant, Future Proofing Strategist
“John is the consummate professional in the Financial Planning and Investment sector. He has walked the talk, having successfully grown and lead businesses to achieve dramatic results. Through it all, he has helped people reach their personal and professional goals and engages with them comprehensively to ensure they achieve what they need to.
There’s no nonsense with John – if you want to succeed, he will help you do it and in doing so, you will meet and be assisted by one of the nicest and most professional people I know, who also lives by a set of principles steeped in integrity. A hard thing to find these days!
I strongly recommend you contact John and get to know him. You won’t regret it.”
Warren Cummins
Managing Director, Dale Carnegie Auckland and BRS Management
“Choosing someone to look after your money is an important decision especially if you are like me and have no idea about investments.
When I left my marriage I had money from the sale of the house. As I was now on my own financially I understood that I needed to ensure that not only was my money going to be safe but would also be working for my future.
I met with a few financial advisers but none of them really instilled me with confidence. I was feeling a bit lost and frightened about making the wrong decision.
Pam Martin
Arbonne Independent Consultant
“We are all specialists in our own area of business. We love referring our clients to an equally dedicated specialist, John Milner of Collaborative Consulting Ltd.
John has been able to help our clients leverage and re-invest their hard-won gains, made both personally, and in business. John has been working in his area of Investment Expertise for a long- time, so has ridden all of those waves in the marketplace. He is committed to helping clients mitigate their investment risk, and in these days and times, his level-head and thorough but relatable approach to Investment are exactly what we all need.
He makes investing simple, effective and takes the worry away.”
James Kelso
CPA, Director, Kelso Marsh Consulting Ltd
“I have known for some time now as part of my business networking group. From the start I have been impressed by John’s professionalism and his knowledge base. John takes what he does seriously and is quite clearly very dedicated to serving his clients well.
I have no trouble recommending him to anyone in need of sound financial advice.”
Rory Laubscher
Corporate Photography Specialist Firefly Photography
Our Process
When you work with us, we use our proven 3-step system. By understanding your situation and the goals you want to achieve, we work out a unique plan to help you get there smoothly.
Insurance protection tailored to your life
Years of experience advising New Zealanders on insurance and financial protection strategies.
The right personal insurance strategy gives you the freedom to take risks, build wealth, and live your life knowing that if something goes wrong, you and your family are protected.
Frequently Asked Questions
Have a question about personal insurance? We are happy to discuss your situation — get in touch.
What types of personal insurance do you advise on?
We advise on the full range of personal insurance products available in New Zealand — including life insurance, health insurance, trauma cover, income protection, disability cover, and mortgage protection.
Do I need all types of personal insurance?
Not necessarily. The right mix of cover depends on your personal circumstances — your income, your health, your debts, your family situation, and your existing assets. We help you identify what you genuinely need and what you can reasonably go without.
How much does personal insurance cost?
Premiums vary significantly based on your age, health, occupation, and the level of cover you require. We work with you to find the right balance between comprehensive protection and affordability.
How often should I review my insurance cover?
We recommend a review whenever your circumstances change significantly — a new mortgage, a new child, a change in income, or a health event. At minimum, an annual review ensures your cover remains appropriate.
Can you help if I already have insurance through my employer?
Yes. Group insurance through an employer often provides a baseline level of cover that may not be sufficient for your individual needs. We review what you have and advise on whether additional personal cover is warranted.
What happens when I need to make a claim?
We support you through the entire claims process — helping you document your claim correctly, liaising with the insurer on your behalf, and making sure you receive the full benefit you are entitled to.
Do you work with clients across New Zealand?
Yes. We work with clients throughout New Zealand via video call, phone, and email. Location has never been a barrier to getting quality insurance advice.