Insurance
Everyone’s different, so we start by learning about what you need and then making recommendations that suit your lifestyle and budget.
Private Health Insurance
When it comes to your health, waiting simply isn’t an option. Long delays in the public system can turn manageable conditions into serious problems. With private health insurance, you can skip the queues and get treated within days - not months. We're here to help you find the right level of cover so you can access care when you need it, giving you:
Faster access to treatment
Greater control over when and where you're treated
Peace of mind for you and your family
We offer tailored health insurance solutions to suit your needs, including:
Cover for surgeries and hospital stays
Specialist consultations and diagnostic testing
Cancer treatment options
Dental and optical cover
Proactive health benefits
The ability to include your partner and children on your policy
We’ll help you access exclusive products not available directly to the public and guide you toward a plan that protects your health and lifestyle - now and in the future.
Life Insurance
Life insurance is about protecting the people you love most. If you pass away or are diagnosed with a terminal illness, Life Cover provides a lump sum to help your family stay financially secure. This can help cover:
Mortgage or rent payments
Day-to-day living expenses
Funeral and end-of-life costs
You can also choose to include Accidental Death Cover, which pays out only if death results from an accident—offering extra protection for unexpected situations.
We make it easy to understand and apply for the right Life Cover. We’ll guide you through your options, including valuable add-ons like:
Terminal Illness Booster - increases your payout if you're diagnosed with a terminal illness
Level Term Cover – keeps your premiums consistent year after year, up to age 80
Premium Waiver – covers your policy premiums if you can’t work due to illness or injury
Whether you’re paying off a mortgage or just want to leave a financial safety net for your loved ones, we’re here to help you make confident, informed decisions about your future.
Income Protection
Your most valuable asset isn’t your house, car, or belongings - it’s your ability to earn an income. If illness or injury prevents you from working, the bills still need to be paid. Income Protection Insurance helps replace your income so you can continue covering essentials like:
Mortgage or rent payments
Groceries and household expenses
Power, phone, and other utilities
We make sure you’re financially supported when you need it most. We’ll help you choose a plan that works for your lifestyle, with flexible options such as:
Receive up to 75% of your regular income while you're unable to work
Choose between short-term recovery cover or long-term protection up to age 70
Customise your waiting period and payment period to suit your budget and needs
We’re here to tailor a solution that gives you peace of mind - so if life takes an unexpected turn, your finances don’t have to.
Mortgage Protection
Buying a home is a major milestone, but it comes with long-term responsibilities. If illness, disability, or job loss affects your income, your mortgage repayments don’t stop. Mortgage Protection Insurance is designed to help you:
Keep up with mortgage or rent payments
Avoid the risk of losing your home
Relieve financial stress during tough times
We’ll help you find the right level of cover to protect your home and lifestyle. You can choose from flexible features such as:
Payments of up to 110% of your mortgage each month
Redundancy protection in case you lose your job
Customisable waiting and benefit periods to suit your needs and budget
Coverage available up to age 65, with no offsets against ACC or passive income in most cases
Whether it’s your first home or your forever home, Mortgage Protection Insurance gives you the security of knowing your home is safe, no matter what life throws your way.
Trauma, Key Person & Business Cover
A serious illness like cancer, heart disease, or stroke can change everything in an instant. Beyond the emotional and physical toll, there are often major financial challenges - both at home and in your business. Trauma, Key Person & Business Cover gives you a lump sum payment to help with unexpected costs such as:
Home modifications (e.g. wheelchair access or mobility upgrades)
Specialist or ongoing medical care
Replacing lost income if you're unable to work
Paying off debt or covering daily living expenses
Supporting your business with key person or continuity cover
Whether it's a lump sum payment to you or your business following a serious illness, or regular payments to help your business stay afloat while you recover, we’ll guide you through the options. We work with you to protect your personal finances, and your business, from financial strain should you or a key team member become unable to work.
We also offer valuable features including:
Premium waivers – so your cover continues even if you can’t pay
Level term cover – lock in your premium up to age 90
Future insurability options – increase your cover without medical checks after major life events
We’ll help you choose the right cover for your needs. The lump sum is yours to use however you need it so you can focus on recovery, not your finances.
Why use an Insurance Adviser?
Insurance can be confusing and time-consuming, but that’s where we come in. At Keyway, we simplify the process, find the right cover for your needs, and often save you money compared to going direct to insurers or banks.
As Registered Financial Advisers, we're qualified to give professional advice and work solely in your best interest. From comparing options to explaining the fine print, we're here to make sure you're properly protected, without the stress.
What does the Keyway process look like?
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We start with a friendly conversation to understand your needs, goals, and what matters most to you.
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We compare policies from trusted insurers to find the best cover for your situation – no guesswork, no overwhelm.
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We explain your options in plain English and recommend the cover that truly fits – no pressure, just what’s right for you.
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Once you’re happy, we handle the paperwork and get everything set up for you.
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Regular check-ins and adjust to life changes.
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Need to make changes or claim later? We're just a call or email away – we’re here for the long haul.
We work for you, not the insurance companies - so you can trust you’re getting advice that’s genuinely in your best interest.
Harold & Maria
“As a first-time homebuyer, my husband and I were overwhelmed by everything involved in securing a mortgage and insurances - but Dawn has made the entire experience smooth, clear, and even enjoyable.
She was incredibly patient, took the time to explain every step, and always made sure we felt informed and confident in every decision we make. Her professionalism, honesty, and genuine care really stood out. I truly don’t know how I would have done it without her. I’m so grateful for her guidance and would highly recommend her to anyone navigating this process for the first time.”
OUR PARTNERS
Accuro • AIA • Asteron Life • Chubb • Fidelity Life • NIB • Partners Life
Ready to start your insurance journey? Let’s begin.
Disclaimer
The information on this website is intended to provide a brief overview of the services we provide. Everyone’s situation is different, and your insurance needs will vary depending on your individual circumstances. Always seek financial advice based on your personal situation.