{"id":590,"date":"2025-04-25T15:56:36","date_gmt":"2025-04-25T15:56:36","guid":{"rendered":"https:\/\/smartadviser.co.nz\/2023\/?page_id=590"},"modified":"2025-06-04T15:36:09","modified_gmt":"2025-06-04T15:36:09","slug":"personal-insurances","status":"publish","type":"page","link":"https:\/\/smartadviser.co.nz\/2023\/personal-insurances\/","title":{"rendered":"Personal Insurances"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"590\" class=\"elementor elementor-590\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-79cdeacb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"79cdeacb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-209c947d\" data-id=\"209c947d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-231298bb elementor-icon-list--layout-inline elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"231298bb\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Personal Insurances<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-531cbc24 elementor-widget elementor-widget-heading\" data-id=\"531cbc24\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Personal Insurances<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f37c240 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f37c240\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-503766f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"503766f5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4073b755\" data-id=\"4073b755\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7e899b38 elementor-widget elementor-widget-text-editor\" data-id=\"7e899b38\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Personal insurances are all about protecting your lifestyle and family from financial loss \u2013 think of it as lifestyle protection insurance. It forms an essential part of any\u00a0<a href=\"https:\/\/smartadviser.co.nz\/financial-planning\/\">financial<\/a>\u00a0or\u00a0<a href=\"https:\/\/smartadviser.co.nz\/retirement-planning\">retirement<\/a>\u00a0strategy, and it\u2019s usually the most efficient and effective way to minimise the risks you face from a wide range of life\u2019s nasty stuff. Nasties such as accidents, serious illness, disability, death \u2013\u00a0 all common circumstances that prevent you from working and providing for your family.<\/p><p>While insurance companies make it easy for you to apply directly online, this carries its own risks as it\u2019s hard to know if what\u2019s on offer is really best suited to your needs and goals. Applying online may seem quick and easy, but claim time is the worst time to discover your policy either doesn\u2019t cover what you thought it did or you\u2019ve stuffed up your disclosures and your policy is useless.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6aecaf5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6aecaf5\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7288d1a\" data-id=\"7288d1a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d6cca4 elementor-widget elementor-widget-elementskit-heading\" data-id=\"3d6cca4\" data-element_type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"ekit-heading--title elementskit-section-title \">We find the Insurance Covers <span><span>Best Suited to Your Needs &amp; Goals<\/span><\/span><\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c71f091 elementor-widget elementor-widget-text-editor\" data-id=\"c71f091\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our goal is to ensure your lifestyle and financial future are protected.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4e9461 e-flex e-con-boxed e-con e-parent\" data-id=\"f4e9461\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc7841f elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"cc7841f\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/04\/insurance-providers.png\" class=\"attachment-full size-full wp-image-595\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">We work with many insurance providers<\/h3><p class=\"elementor-image-box-description\">Your life circumstances mean that some insurers cater to your needs better than others. By working with many providers we can better provide you options suited to you.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-617fdab elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"617fdab\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/04\/comparison-of-insurance-policies.png\" class=\"attachment-full size-full wp-image-596\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">We compare policy offerings to find the best fit<\/h3><p class=\"elementor-image-box-description\">Not all policies are created equal, even if they claim to be protecting you from the same event. We don\u2019t just compare headline benefits, we get down to the fine print.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d44d54 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"0d44d54\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/04\/Negotiate-terms.png\" class=\"attachment-full size-full wp-image-597\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">We negotiate the best terms possible to keep premiums affordable<\/h3><p class=\"elementor-image-box-description\">Insurance needs to affordable and that means we sometimes have to rejig the level of cover and other terms and conditions to get the balance right between cost and the protection provided.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2fac19 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"a2fac19\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/04\/Annual-reviews.png\" class=\"attachment-full size-full wp-image-598\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">We provide annual reviews<\/h3><p class=\"elementor-image-box-description\">Life doesn\u2019t stand still and neither should you insurance cover. We provide an annual review service for all of our clients to ensure your cover is still suitable and relevant.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0382315 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"0382315\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/04\/Support-at-claims-time.png\" class=\"attachment-full size-full wp-image-599\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">We support you at claim time<\/h3><p class=\"elementor-image-box-description\">Should you need to make a claim, we understand that you are already going through a stressful time. We provide a claim support service to make that process as stress free as possible.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a72c9a4 elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"a72c9a4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8ae5c88\" data-id=\"8ae5c88\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-25da061 elementor-widget elementor-widget-elementskit-heading\" data-id=\"25da061\" data-element_type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">We <span><span>Can Help<\/span><\/span> You with <span><span>Personal &amp; Business<\/span><\/span> Insurances<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-389e592 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"389e592\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a32464 e-flex e-con-boxed e-con e-parent\" data-id=\"2a32464\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6994b6e e-con-full e-flex e-con e-child\" data-id=\"6994b6e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b5147be elementor-widget elementor-widget-heading\" data-id=\"b5147be\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Life cover<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80ec5eb elementor-widget elementor-widget-image\" data-id=\"80ec5eb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"220\" height=\"220\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/Life-cover.png\" class=\"attachment-full size-full wp-image-997\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/Life-cover.png 220w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/Life-cover-150x150.png 150w\" sizes=\"(max-width: 220px) 100vw, 220px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-306d9a6 e-con-full e-flex e-con e-child\" data-id=\"306d9a6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e855a8b elementor-widget elementor-widget-heading\" data-id=\"e855a8b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Income &amp; mortgage protection<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4f2385 elementor-widget elementor-widget-image\" data-id=\"f4f2385\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"220\" height=\"220\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/Income-protection-and-mortgage-protection.png\" class=\"attachment-full size-full wp-image-1007\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/Income-protection-and-mortgage-protection.png 220w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/Income-protection-and-mortgage-protection-150x150.png 150w\" sizes=\"(max-width: 220px) 100vw, 220px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8a3633a e-con-full e-flex e-con e-child\" data-id=\"8a3633a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0925b65 elementor-widget elementor-widget-heading\" data-id=\"0925b65\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Trauma \/ serious illness cover<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b7a5fd elementor-widget elementor-widget-image\" data-id=\"6b7a5fd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"220\" height=\"220\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/Trauma-serious-illness.png\" class=\"attachment-full size-full wp-image-1014\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/Trauma-serious-illness.png 220w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/Trauma-serious-illness-150x150.png 150w\" sizes=\"(max-width: 220px) 100vw, 220px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2ab0cd e-flex e-con-boxed e-con e-parent\" data-id=\"a2ab0cd\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0e02ca9 e-con-full e-flex e-con e-child\" data-id=\"0e02ca9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cad126 elementor-widget elementor-widget-heading\" data-id=\"2cad126\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Permanent disability<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a13761 elementor-widget elementor-widget-image\" data-id=\"2a13761\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"220\" height=\"220\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/Permanent-disability.png\" class=\"attachment-full size-full wp-image-1015\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/Permanent-disability.png 220w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/Permanent-disability-150x150.png 150w\" sizes=\"(max-width: 220px) 100vw, 220px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bdbcb37 e-con-full e-flex e-con e-child\" data-id=\"bdbcb37\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e5d894e elementor-widget elementor-widget-heading\" data-id=\"e5d894e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Health insurance<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8f7714 elementor-widget elementor-widget-image\" data-id=\"f8f7714\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"220\" height=\"220\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/health-insurance.png\" class=\"attachment-full size-full wp-image-1016\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/health-insurance.png 220w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/health-insurance-150x150.png 150w\" sizes=\"(max-width: 220px) 100vw, 220px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5eeca68 e-con-full e-flex e-con e-child\" data-id=\"5eeca68\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92b6106 elementor-widget elementor-widget-heading\" data-id=\"92b6106\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Business protection<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c549f21 elementor-widget elementor-widget-image\" data-id=\"c549f21\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"220\" height=\"220\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/business-protection.png\" class=\"attachment-full size-full wp-image-1017\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/business-protection.png 220w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/business-protection-150x150.png 150w\" sizes=\"(max-width: 220px) 100vw, 220px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Personal Insurances Personal Insurances Personal insurances are all about protecting your lifestyle and family from financial loss \u2013 think of it as lifestyle protection insurance. It forms an essential part of any\u00a0financial\u00a0or\u00a0retirement\u00a0strategy, and it\u2019s usually the most efficient and effective way to minimise the risks you face from a wide range of life\u2019s nasty [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"class_list":["post-590","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/pages\/590","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/comments?post=590"}],"version-history":[{"count":49,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/pages\/590\/revisions"}],"predecessor-version":[{"id":1026,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/pages\/590\/revisions\/1026"}],"wp:attachment":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/media?parent=590"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}