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Sarah Cavanagh of Smart Advice Collective Auckland for Smart, Savvy Insurance Solutions

Smarter Insurance

WITH SARAH CAVANAGH

I’m Sarah Cavanagh, a dedicated insurance advisor with a passion for educating individuals and families about insurance. With years of experience in the industry, I empower clients to make informed decisions that protect their loved ones and their assets.

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As a business owner and mother of two daughters (and 2 dogs), I understand the challenges of family life and the importance of securing our futures. Since starting my journey in finance at 18 and becoming an Insurance Advisor at 27, I have witnessed how effective insurance serves as a safety net over and over for my clients.

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Having owned three businesses, I know the stress of managing finances and the worry of income loss. My commitment is to simplify insurance concepts into easily understandable terms and provide personalised support that aligns with your values, taking all the hassle out of it for you.

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Since 1996, I have been dedicated to helping clients find the right insurance plans to secure their futures with confidence. 

You can trust my expertise.

Sarah Cavanagh of Smart Advice Collective Auckland for Smart, Savvy Insurance Solutions

MY MISSION

What sets me apart

My commitment to you: I treat my clients as I would my own family.

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With every client I help, I commit to meeting the following 3 obligations:

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  • I will help you find the right insurance coverage for you and the family, so you can sleep peacefully at night knowing you are properly protected

  • I will help you find the best premium I can, so you are not concerned when this is regularly debited from your bank account

  • I will help you find the most robust cover I can, from the insurers with the best claims history, so that we have peace of mind knowing your insurance will pay out when it is meant to.
     

VIEW DISCLOSURE STATEMENT​

I offer insurance solutions for

Life Insurance

Life is filled with uncertainties, and having life insurance ensures that your whānau (family) is financially protected if you pass. Our life insurance policies offer a safety net, providing your whānau with financial support to cover funeral expenses, debts, and future needs. Let me help you secure their future and provide them peace of mind to sleep at night knowing you have put the right plans in place.

Health Insurance

Your health is invaluable; health insurance ensures you access quality healthcare services when needed. Health insurance covers medical expenses, hospital stays, specialist visits and diagnostic testing, giving you the peace of mind to prioritise your well-being. Health insurance means you don’t have to wait for treatment on a public hospital waiting list.

Trauma Insurance

Life’s unexpected events can significantly impact your health and finances. Trauma insurance offers coverage for critical illnesses and major injuries, giving you a lump sum payment to help you focus on recovery without worrying about financial burdens.

Total & Permanent Disablement

In the event of a severe disability that renders you permanently unable to work, total and permanent disablement insurance offers a lump sum payment to help you adjust to your circumstances and cover ongoing expenses.

Mortgage Repayment Insurance

Protect your home and ensure your mortgage repayments are covered during unexpected circumstances such as redundancy, disability, or illness. Mortgage repayment insurance provides financial security, ensuring the mortgage is paid and the home is protected if you can’t work.

Income Protection Insurance

Your ability to earn an income is essential for maintaining your lifestyle and providing for your loved ones. Income protection insurance ensures that you have a safety net if you are unable to work due to illness or injury, providing you with a portion of your income to support your living expenses.

Key Person, Business Life, Trauma & Disablement

Protect your business and its key personnel with key person cover. This provides financial protection in the event of a critical illness or disability of a key person within your organisation. Business is like marriage.  If one business partner is sick, injured or worse, dies, the business needs the same Life and Trauma insurance that marriage partners have. Business Life and Trauma insurance allows the healthy business partner to pay out the sick partner or next of kin, so they can carry on business as usual.

Home, Contents & Vehicle Insurance

Your home is more than just a building; it’s your sanctuary. Home insurance provides coverage for your property against risks such as fire, theft, natural disasters, and more. Protect your home and its contents with our comprehensive home insurance policies. Having your home and contents with the same provider means you are only paying one excess in the event of a claim. Whether you own a car, motorcycle, or any other vehicle, it’s important to have insurance coverage in case of accidents, theft, or damages. Our vehicle insurance policies offer protection for your vehicle and liability coverage, ensuring your peace of mind on the road.

Let's explore the ways insurance can empower you

  • Preventing the sale of your family home
    In the event of a temporary illness, our insurance solutions can prevent the distressing need to sell your cherished family home for what might be a short-term illness that may affect your ability to work. With good quality income and mortgage protection, you can focus on recovery without the added burden of worrying about losing your home.
  • Funds for alternative medicine
    I understand that you may have specific medical needs or prefer alternative treatment options. With our insurance solutions, you can access the necessary funds to pursue the medical treatment of your choice, empowering you to explore options that align with your beliefs and values.
  • Support for your loved ones
    During challenging times, illness can disrupt not only your life but also the lives of your loved ones. Our insurance policies offer funds that enable your loved ones to take time off work and care for you, ensuring you receive the support and attention you need without a drop in household income.
  • Flexible medical treatment
    Insurance empowers you to seek medical treatment on your own terms and schedule rather than being at the mercy of long hospital waiting lists. Prioritise your health and well-being by accessing timely medical care that fits your needs.
  • Protection for your children
    As a parent, I understand the importance of safeguarding your children’s health. Our insurance solutions provide coverage for their medical treatment, ensuring they receive the care they need when it matters most. With this peace of mind, you can focus on nurturing their well-being.
  • Fulfillment of your family plans
    Life is full of dreams and plans, and our insurance solutions empower you to fulfill them, even if unforeseen circumstances arise. Our policies provide the financial security necessary to ensure your family’s plans and aspirations can continue, whether you are present or not.

I'm affiliated with

Clients I've helped make smarter insurance decisions

An insurance adviser who has integrity

"Sarah is focused on her client 100% - everything she does is aligned to making a real difference to her client. From her own knowledge and skill, she has a way of educating her clients throughout the process so that they truely understand what insurance they have and what it will do for them when they need it.
 
Her professionalism is second to none - if you want an insurance adviser who has integrity then I recommend you talk to Sarah today."

GILLIAN WINITA-HEADLEY

Sarah Cavanagh of Smart Advice Collective Auckland for Smart, Savvy Insurance Solutions

Ready to tick insurance off your to-do list?

Whether you're in Auckland or anywhere in New Zealand, let's connect — reach out using the form below or call me directly on 021-800-864 for a relaxed, no-pressure chat.

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