What is a Lifestyle Protector?

Before we start with what we are, we should clarify what we are not. We work to get our clients the right insurance policies to suit their needs, but we don’t call ourselves insurance advisers. The term insurance adviser would suggest that we work for an insurance company, which we don’t we work for you.

We call ourselves Lifestyle Protector’s because that is at the heart of what we are all about. Our aim is to help get Kiwi families sorted with the right coverage to protect their families. We don’t stop there though. We are the advocate in your corner, to help you navigate the claims process and make sure that you are getting what you are entitled to from the insurance company.

We use the title Lifestyle Protector as a daily reminder of our promise to you, our clients.

There is nothing particularly ground breaking about the way that we determine the best coverage for you and your family, except that we take the time to really get to know you and your needs. This is the critical part of getting things right for you.

The Process


Stop in for a chat, or we can meet you for coffee. We want to get to know you and we want you to have the chance to get to know us. After all we are talking about protecting your family, and that should be in the hands of someone you trust.

This is a no pressure meeting. We will create a picture of what you want and need, so we can determine how we can best help you.


Once we have a good understanding of you and your family’s needs we will take that information and hunt for the best insurance options for you. We will do the shopping around and comparisons so you don’t have to.

Once we have hand-picked your best options, we will prepare a written Statement of Advice.


If you agree to the recommendations and are ready to get started, we will help you prepare any needed documents. We will also double check that all of the i’s are dotted and t’s crossed. At Rix, we follow up with the provider, to ensure that the insurance plan has been implemented exactly the way we discussed


We make sure to touch base with you regularly in case your situation has changed or if your insurance policy needs an update. Should you need to revamp your insurance policy, we find ourselves back at the consultation stage.

You may not need all of the different types of insurance we can offer advice on, but we are happy to help you with the insurance you do need.

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