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.

Smarter Personal Insurance

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Our 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. We'll give you real peace of mind that your family, your income, and your financial future are fully protected.

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We 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 us help you secure your future and provide 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.

Insurance for Professionals

Sarah Cavanagh, is proud to be one of a select group of advisors offering an exclusive insurance solution from PPS Mutual, now available in New Zealand. This coverage is specifically designed for highly qualified professionals—those with a minimum four-year degree currently working in their chosen profession.

PPS Mutual's history began in 1942 in South Africa, when a group of dentists sought an insurance solution that truly understood their unique needs. The offering was later introduced in Australia, where it has been very popular for nearly 15 years. The comprehensive product suite includes Life Cover, Income Protection, Trauma Cover, and more, all tailored with your career and lifestyle in mind. My goal is to provide you with a policy that not only fits your professional life but also ensures your financial security is well-protected.

Meet our personal insurance team

Sarah Cavanagh

Hi! I’m Sarah, owner and director of the Smart Advice Collective. I'm your personal insurance and investment expert in New Zealand since 1996. I work with women and families to secure the right cover, from life and health insurance to KiwiSaver and investment strategies, with clarity and confidence. My goal is to make protecting your lifestyle and building wealth simple, personal, and effective, helping you secure what matters most for the long term.

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Clients we'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