Better Decisions | Better Outcomes | Better Lifestyle

Personal Insurance

Cave Financial offers a comprehensive range of personal insurance products, including life, trauma, total and permanent disablement, health, & income protection.

We're experts at protecting your health & your wealth by providing the right kind of insurance cover for your needs. As independent advisors, we're not obligated to work with any single insurance provider.

Instead we can source the best options for your stage in life, and give you confidence that you're covered no matter what may happen in the future.

Life Insurance

Life Cover provides a lump sum payment in the event of death, helping to prevent financial stress compounding emotional stress at an already difficult time. A lump sum can help reduce debt, pay for final expenses, create an investment fund to generate ongoing income amongst other things.

Health & Medical Cover

Private health insurance provides the funding to enable you to have private medical treatment whenever you require more immediate access or a broader range of treatment options than are available to you through the Public health system.

Trauma Cover

Trauma Cover provides a lump sum payment should you suffer one of a range of covered conditions, e.g. cancer or heart attack which generally are by nature serious and potentially life threatening and, as a result, can have a significant financial impact.

Income Protection

Income Cover provides a financial safety net should you be disabled as a result of sickness, injury or surgical procedure, and unable to earn your regular income. The monthly benefit is designed to replace a significant portion of lost income to help maintain your usual lifestyle during treatment and recovery.

Permanent Disability Cover

Total and Permanent Disability (TPD) Cover provides a lump sum payment should you completely lose your ability to ever work again (or carry on your normal tasks, if you are not employed), as a result of illness or injury.

Mortgage Protection

Mortgage Repayment Cover provides a financial safety net should you be disabled as a result of sickness or injury. The monthly benefit is designed to cover either the mortgage repayments on your behalf or a portion of your lost income, ensuring your family home is not put at risk.

Fire & General Insurance

As well as insuring yourself and your family, it is just as important to protect your personal or business assets. Damage to property and possessions caused by fire, flood, mechanical failure or theft can be very expensive to put right.
We can provide you with insurance cover for the assets you value the most – like your home and contents, holiday home, rental properties, boat and cars.

Severe Trauma Cover


Insurance is there to protect us from all of those things we'd rather not think about, but if the worst does happen it's reassuring to know you've got a great team supporting you. Speak to one of our advisors today to get an expert and personalised assessment of your insurances.

Need our help?

We're here to answer your questions.

Get in touch with us today
  • Cave Financial have given us excellent advice on both our KiwiSaver and Investment Property Portfolio. I highly recommend Michael and Team. They're helpful, friendly, explain things making it easy to understand and walk you through every step of the process. Highly recommended!


  • Cave Financial and team have been the absolute back bone of not only my business but my family’s future. I have so much respect and trust for your team, Michael. I’m so grateful to have your full support and feel secure with your values and guidance. I would highly recommend Cave Financial to anybody wanting peace of mind. 10/5 service!


  • Helped so much with answering all of our questions around life insurance, then got us the best deal. Couldn’t be happier. 10/10.

    Lana and Hannah

  • We’re a long-term customer of Cave Financial. Michael and his team consistently provide professional and effective services whilst making us feel valued and seen. We appreciate being a customer of yours for 10+ years.


  • I cannot recommend Michael and the team at Cave Financial highly enough. They steered me through a complicated set of mortgage applications with professionalism, good cheer, and were incredibly prompt with every query I made. On top of that they negotiated a better rate! I would not have been able to get through this arduous process without their skill and care.


Latest articles

Top tips to help you achieve financial freedom: Part One

Chances are, you won't win the lottery or make enough money to retire by age 30! So, it’s important you have a strategy in place to maximise your financial opportunities.
Financial success is a lifelong project - it's about working hard, of course, but it's also about making good decisions along the way.
That's why we have collated our top financial wellness tips. Join us every day for a week where we will cover everything from getting started, spending and saving, insurance and investments and even common money mistakes. It's never too late to improve your financial future.

Top tips to help you achieve financial freedom: Part Two

Today’s financial wellness tips focus on two sides of the coin - being a smart saver and a better borrower.
It could be argued that they both serve the same purpose of providing usefully large sums of money. Whilst borrowing money can allow you to realise your dreams quicker than saving can, many see saving as a more secure and manageable way of accumulating funds.
Today’s installment offers advice on how to create an achievable, realistic savings plan, prioritising your goals and how to get the most out of your savings account. We also look at how to keep your borrowing under control, but also how borrowing can have its benefits in the long run.

Top tips to help you create financial freedom: Part Four

For the majority of us, our main source of income is derived from paid employment. Therefore, it could be argued that wages or salary is one of, if not the most, important component in achieving financial wellbeing.
Today we look at ways to maximise what you earn, but also consider the impact of losing that income and how to protect what you have spent so many years working towards.