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Life & Health Insurance

Protect your family and income with the right cover

Life & Health Insurance

Mortgage Lab connects mortgage clients with life, health, income protection, and mortgage protection advice through Maurice Trapp Group insurance specialists.

When you take on a mortgage, protecting your ability to repay it becomes more important than ever. Life insurance, income protection, and health insurance can give you and your family peace of mind if the unexpected happens.

We work with Maurice Trapp Group, one of New Zealand's most experienced insurance advisory firms, to help you find the right protection for your situation. They can review your existing cover, identify any gaps, and recommend solutions that fit your budget.

Whether you're buying your first home, starting a family, or reviewing your current insurance, getting expert advice ensures you're not paying for cover you don't need while having adequate protection where it matters most.

How We Can Help

Review your existing insurance to identify gaps and overlaps

Understand the difference between life, trauma, TPD, and income protection insurance

Get advice on how much cover you actually need based on your mortgage and lifestyle

Compare relevant policy options from participating insurers

Understand what ACC does and doesn't cover for illness and injury

Set up mortgage protection that pays your home loan if something happens to you

Navigate health insurance options for faster access to treatment

Frequently Asked Questions

A common approach is to cover your mortgage balance plus 2-5 years of your income. This ensures your family can pay off the home and have time to adjust financially. Your adviser can help calculate the right amount based on your specific situation.
Life insurance pays a lump sum if you die or are terminally ill. Income protection pays a regular income (usually 55-75% of your salary) if you can't work due to illness or injury. Both serve different purposes and many people have both.
No, ACC only covers injuries caused by accidents. If you get sick with cancer, have a heart attack, or develop a chronic illness, ACC provides no support. This is why income protection and trauma insurance are important for non-accident cover.
Trauma insurance (also called critical illness cover) pays a lump sum if you're diagnosed with a serious illness like cancer, heart attack, or stroke. It can help cover medical costs, time off work, or lifestyle adjustments during recovery.
The mortgage protection offered by banks is often more expensive and less flexible than standalone life insurance. An independent adviser can often find you better cover for less. We recommend getting quotes from both before deciding.
We partner with Maurice Trapp Group, specialist insurance advisers who can review your needs and recommend appropriate cover. They compare options from multiple insurers and help with the application process. Their advice is usually provided at no direct cost to you.

What Our Clients Say

We couldn’t be happier with our experience! Christiana, was realistic and honest from the very beginning – no false promises, just clear advice on what we needed to do to get where we wanted. She guided us through every step of the process, and we always felt completely supported and looked after. We have absolute trust that she had and continues to have our best interests at heart, Christiana went above and beyond to secure us the best deal possible. Highly recommend!

We had an amazing experience working with Christiana! As first-time homebuyers, we were nervous about the whole process, but she made everything feel so smooth and manageable. Her communication was excellent - she kept us informed every step of the way and was always quick to respond to any questions we had. She’s incredibly efficient, hardworking, and clearly knows her stuff. Thanks to her, we’re now in our first home, and we couldn’t be happier. Highly recommend!

Matthew Grace wasn’t just a mortgage broker…o no! Add “/Peace of Mind Merchant”. On the myriad of hurdles to jump not related to mortgage broking AND the stress, he was an absolute rock of knowledge, guidance and counsel in the storm that was our house buying experience! Empathetic, calm, professional and a champion bloke. Not a stretch for me to say, we probably wouldn’t be in this wonderful position today had it not been for this man. Thanks Matthew!!

Alan Hooper

Matthew GraceMatthew Grace

Ready to Get Started?

Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.