Personal Insurance
Protect your health, income and the people who rely on you.
- Life Cover
- Trauma / Critical Illness
- Income Protection
- Private Health Insurance
Risk advice · New Zealand wide
We're 100% independent. We work for you, not the insurance company. Personal, business and group cover advice across New Zealand, so you're protected when life takes a turn.
Working with New Zealand's best insurers
What we offer
Three areas of specialist risk advice, structured so your insurance responds exactly when you need it most.
Protect your health, income and the people who rely on you.
Safeguard your business against the financial impact of the unexpected.
Give your team valuable financial support, and a reason to stay.
The honest conversation
Nobody wants to dwell on worst-case scenarios. But ignoring the risk doesn't make it disappear, and guessing at cover rarely ends well.
Your mortgage, bills and lifestyle don't pause, but your income might.
Income protection structured around your real expenses, not a generic formula.
The people who depend on you still have rent, school fees and a future to fund.
Life cover sized for your debts, dependants and what you'd want left behind.
Recovery takes time, energy and money, often when you can least afford it.
Trauma cover that pays a lump sum so you can focus on getting better, not bills.
Revenue drops, debts remain and partners may need to buy out shares fast.
Business cover that responds exactly when your company needs it most.
Insurance products are more powerful than ever, and more confusing. ONA cuts through the jargon, compares what's actually on offer, and builds a plan that fits your life. No insurer bias. No guesswork.
Why ONA
Products have become more powerful but far more technical. Our job is to cut through the complexity and build a plan that fits your life.
We're fully independent, paid by you, not insurers. Our only job is finding the cover that's right for you.
Cover structured for your situation, so it actually responds when you need to claim.
A decade of experience on your side, from first conversation through to claim time.
Meet your adviser
"My aim is to simplify the complexity and make sure you have the correct plan for your unique situation, managing your risk the right way."
Daniel Fifita
Principal Adviser · ONA Insurance Brokers
Read our storyLearn for free
Plain-English guides to insurance, read them your way. Download the e-book, or click straight into an interactive walkthrough. No jargon, no cost.
The plain-English guide to how cover works, how to think about risk, and how claims really get paid.
Download the guide Presentation · 5-min walkthroughThe four numbers that decide your cover, with a quick indicative estimate you can try yourself.
Start the walkthrough Presentation · 5-min walkthroughThe three risks every business owner carries, shareholder, key person and debt, and how cover responds.
Start the walkthroughNavigating insurance can be tricky. With ONA, it's simple: we'll find the right coverage for you.