We make insurance easy

Custom life, health and business insurance solutions for peace of mind.
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No matter what you need, we've got you covered.

Life Insurance

If something happens to you, life insurance can help your family pay for things.
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Health Insurance

Covers the costs of medical, surgical and cancer-related costs.
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Business Insurance

Take care of your business costs if you’re unable to work due to illness or injury.
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Trauma Cover

Receive a lump sum if you suffer a specified condition such as a stroke, heart attack or cancer.
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Income Protection

Cover your costs in the unfortunate event you are disabled or suffer an extended illness.
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Key Person Cover

Contributes towards replacing a key member of your business if that person is unable to work due to illness or injury.
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Kind words

Here's what our clients have said about us.
View all
"I have consulted with two other insurance companies and the service that Buffer offers is the best by far... I'm relieved that someone with this level of expertise handles our life insurance!"
-Harriet H.
VP Marketing, Magenta Apparels
"Thank you Sascha for the great service! Thanks for going out of your way to sort out our insurance needs."
-Johan B.
Director, Indigo Inc.
"Peter has helped so much with our insurance. Nothing was too much when we asked questions.... I would recommend Buffer to anyone looking for insurances."
-Carol-Ann S.
CEO, Orange Travels
"Great service! Good communication, and the team at Buffer was able to sort all my things out! Highly recommend. A++"
-Keagan S.
Project Lead, Crimson Edge
How it works

We know you're busy, so we make insurance easy for you.

1

Book a free consultation

Here's where we get to know each other and understand your unique needs and goals.
2

Review your  insurance solutions

We'll work with you to formulate tailored insurance solutions. We'll walk you through the proposed solution line-by-line, so you fully understand your options.
3

Submit your application

Once you're happy with your plan, we'll have a second consultation to finalise the details and submit your application to the insurance provider. From here, the insurance provider runs the numbers and may ask for additional information or medical checks. Don't worry, we'll help guide you through the whole process.
Get to know us

New to insurance? No problem

We'll walk you through all of your options

We're available digitally and in-person do discuss your goals and answer any questions you may have.

And create a  plan just for you

As licensed Financial Advisors, we can make recommendations on which coverage and plan suit your needs best.

Getting you the coverage that fits your priorities and budget

We're here with you every step of the way.
Why Buffer

Why use an insurance advisor?

Unlike working with one single insurance provider, as licensed Financial Advisers, we're able to advise you on which policy is right for you across multiple insurance companies while ensuring you get the most favourable terms on your policy. We also advocate for you and your family in the event of a claim to ensure the whole process goes smoothly.
We offer access to exclusive insurance solutions
We are available 7 days a week
We work with NZ's Top insurance providers
We advocate for you throughout the entire process, from application to claim

We partner with a range of top-tier insurance providers across New Zealand to get you the right coverage, at the right price.

20%
Increase in brand awareness among potential customers
100
viral digital campaigns
12%+
growth in revenue
01
Case Study 01 :
Check out how we took over one of the largest intersections in LA for the release of XYZ's new movie 'September'
02
Case Study 02 :
Did you know that Good Candy became last Halloween's best-selling candy? Here's how we helped them get there
03
Case Study 03 :
Powerful Cement's CSR initiative transformed this little village's irrigation system and we're so proud to have been part of their story
04
Case Study 04 :
Can a pair of jeans change the way we move? Blue Jeans says yes and we agree

Growing is hard. Let us help!

We fit all sizes

Whether you're just starting out or trying to hit the next big milestone as a brand, we're here for you.

We understand the wildly different needs of different sized brands. Our crew of creative folks, money-makers, planners, and general caffeine addicts specialize in their functions and you can ask us for as much or as little support as you need.
We fit all sizes

Whether you're just starting out or trying to hit the next big milestone as a brand, we're here for you.

We understand the wildly different needs of different sized brands. Our crew of creative folks, money-makers, planners, and general caffeine addicts specialize in their functions and you can ask us for as much or as little support as you need.
We fit all sizes

Whether you're just starting out or trying to hit the next big milestone as a brand, we're here for you.

We understand the wildly different needs of different sized brands. Our crew of creative folks, money-makers, planners, and general caffeine addicts specialize in their functions and you can ask us for as much or as little support as you need.

Still have questions?

Ask us directly
01

Alright, but what exactly do you do?

As insurance advisers (also known as "brokers"), we know the market. We do the hard work for you, so you  save time when choosing the right insurance provider. We help you compare your options across multiple leading insurance providers, answer any questions you may have along the way and advocate for you and your family on your behalf, should you need to raise a claim.
02

How much life insurance do I need?

A general rule of thumb is 10X your annual salary in life cover; however, your unique situation and needs may differ. You don't want to overpay for insurance that you don't need, and you certainly don't want to be underinsured. As licensed financial advisors, we can help you tell the difference.
03

How much is this going to cost me?

Generally speaking, your age and health play a major factor in the cost of your life insurance policy. The life insurance providers that we work with use a variety of models to work out your risk, which  affects  your premiums (monthly payments). Basically, the healthier and younger you are, the cheaper your policy will be, so it pays to stay healthy and get insurance when you are young before you develop any ailments.
04

What is term life insurance vs. whole life insurance?

Term life is insurance valid for a certain time period only, for example 20 or 30 years. Permanent or Whole Life is a policy that is valid for your whole life, meaning that no matter your age when you pass away, your policy will be paid out according to the terms and conditions of your policy. While term life insurance is usually cheaper, it doesn't always pay off in the end. This is why we advise working with a licensed financial advisor (like us!) to make sure you understand the true costs and benefits of your policy.
05

Do I really need life insurance?

The best question to ask yourself here is 'Do I have dependents or anyone who relies on my income?' If you were to pass away, would loved ones be left with debt to pay back or any other financial burdens? Would your loved ones be able to sustain the lifestyle they currently have, or would you like to leave them a legacy gift to ensure their financial future? These are good questions to ask yourself, if your answer is 'yes' to either of these questions you might consider getting life insurance.
06

What are stepped premiums? 

Having a stepped premium means that your monthly payment for your life insurance (your "premium") stays the same for one year at a time. As you get older each year, the premium increases.
07

What are level premiums?

Having a level term premiums means your monthly payment for your life insurance (your "premium") stays the same for as long as your policy is in place.
08

Will my insurance become more expensive over time?

That depends on the premium structure you choose when you take out your insurance policy. If you take out a policy on a level term basis, your premiums may start out higher, but will be fixed for the life of the policy. If you take out a policy on a stepped premium basis, your premium will start out lower, but will generally increase yearly as you age. Generally, stepped premium structures are more expensive over the entire policy lifetime, but are easier to afford in the beginning.  Level premiums, on the other hand, often work out cheaper over the policy lifetime. This is why it pays to have an advisor (like us!) on your side to help you assess your options and figure out what works best for you.
09

How do I get insurance?

We believe that the best way to get insurance is through an insurance broker who is licensed to provide financial advice. At Buffer, we have a team of licensed insurance brokers dedicated to ensuring your insurance experience is the best yet.

Alternatively, you can contact New Zealand insurance providers directly. However, these providers will advise you only on their own company's products, as they are unable to compare policies across multiple providers. Because insurance providers offer very different products, comparison is key to ensure you get the policy that is right for you.
10

What is a medical?

It is common for leading insurers to request a new client to undergo a "medical", or medical examination. This is to assess your physical health and fitness. Medicals usually take around 30 minutes to complete. At Buffer, we organize your medicals for you, be it the nurse visiting you at home, your place of work, or the local medical centre.
11

How long does it take to get a life, health or trauma insurance policy?

This depends on a few factors, but a lot comes down to how effectively the company or advisor you choose works on your behalf to get an application submitted. For our clients, we find that the whole process, from initial consultation to policy approval, usually takes about two weeks. It really isn't much time to set aside for protecting your loved ones!

Also, keep in mind that we offer virtual electronic consultations as well as in-person, so we can work with your schedule to provide a convenient and streamlined process.

Still have questions?

We have (almost) all the answers

General

Do you do social media content?
Yes, we do! We can work with your team for your content needs or we can take over account management altogether— we do it all.
Can I hire you for one campaign?
You absolutely can! We'd love to build a longer relationship but we're here for shorter affairs too.
We need an app to go with our website. Can you handle that?
You bet. We can build the best app you've ever seen (and the best website too).
I need a viral campaign by Friday. Help!
Oh no! We offer you lots of hugs. Creating successful campaigns take time and lots of back and forth. While we can work on tight deadlines, we can't whip up miracles of that sort. If you have an urgent need, let's talk?

Account & Pricing

My budget is tiny. Can I still hire you?
Of course! We love a good challenge.
We're getting flamed on Twitter. Can you do something about it?
It really depends on why you're getting flamed, but we'll do our best, we promise.
What's the best way to drink coffee?
Yes.

Latest News

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All You Need to Know About Insurance Before Buying a House

So, you’ve saved up enough for a deposit for a house you have your eye on. Maybe you’ve even visited the bank, chatted with your mortgage broker and have been approved for the loan. But what do you need to know about life insurance?
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Leave it to us

Get in contact today to find the insurance solution that fits your needs.
Get a free quote