Find an Insurance Broker in Wellington

Find the right life and income protection policies with help from a local insurance broker

Updated 15 June 2026

Summary of Insurance Brokers

Insurance brokers work with insurance companies to provide appropriate cover specific for your personal situation and needs. Unlike an insurance company, they take the time to get to know you and properly consider what insurance you need. As their client, you can ask questions.
If you have health issues or a unique family situation, insurance brokers can help to find exactly the right policy for your needs.
There's no direct cost by dealing with an insurance broker - they get paid by the insurance company by way of a commission when they sell a policy. If you don't buy a policy, you won't be charged by the insurance broker.
If you decide to buy, they will also help complete the paperwork.
If you need to make a claim, insurance brokers fight in your corner and deal with the insurance company directly. This can save a lot of hassle and time during what's likely to already be a stressful time.
The most important thing is to find an insurance broker you're comfortable with.

Our Wellington Insurance Broker guide covers:

Know This First: Your broker has to tell you how they're paid
Insurance brokers don't charge you - they're paid a commission by the insurer. By law, any broker who gives you advice must also provide a disclosure statement that sets out how they're paid, including those commissions, and any conflicts of interest. Ask for it early and read it - it costs nothing, and it's the clearest way to see exactly what's in it for them before you act on their advice.

Know This First: The Process of Working with an Insurance Broker

Once you've decided to contact an insurance broker, you will have an initial meeting. You will share details about your family situation, employment and what you want to insure, and for how much. You'll also discuss any existing insurance policies you have.
After that, the insurance broker will provide a comparison of the best-suited insurance policies based on your needs.
Once you've considered the policies offered, you'll have the opportunity to ask questions. You can then decide to go ahead or not. If you do, the insurance broker will make an application on your behalf. You'll need to provide the information they ask.
Once the application is submitted, the insurer will issue the policy (or ask for more details if a health condition needs further clarification).
If you need to make a claim later on, the insurance broker will handle this for you.

Wondering what life insurance, health and/or income protection cover actually costs for someone your age?

Plenty of New Zealanders assume insurance is expensive without ever checking, or pay too much by never comparing.
With LifeDirect you can see real life insurance quotes and income protection prices from insurers like AIA, Fidelity, Chubb Life and Partners Life side by side in about a minute - with no phone calls and no follow-ups.

Know This: get 20% of your first year's premiums back in cash
Take out an eligible life or income protection policy with LifeDirect and they'll pay you a one-off lump sum worth 20% of everything you pay in year one. Health insurance isn't eligible for the cashback.

Your policy and premiums stay exactly the same - the cashback is paid on top, straight to your bank account.
As an example, a $400/year policy gives you $80 back in cash, and a $1,500/year policy returns $300.
You register through your MyLifeDirect login, and it's paid once your policy has been in force for around 13 months.
LifeDirect's cashback terms and conditions apply - you can find them on their homepage.

See Life Insurance Costs for Your Age

How Much Does an Insurance Broker Cost?

There are no upfront or service fees.
Insurance brokers make their money from commissions paid to them by the insurers you buy a policy from. You won't necessarily pay more for your insurance either by using an insurance broker. To explain further, insurance brokers work the same as travel agents who earn commissions from airlines and hotels etc.
It is up to you to decide which policy and company you want to be insured with. Unlike the process of getting a mortgage, the insurer you select probably isn't as important as the bank you borrow from. Nonetheless, insurance brokers will be paid differently by each insurance company, so be sure you pick the right policy that meets all of your needs.
Industry insiders suggest life insurance commission can be as high as 50%, or even up to 100% of the first year's policy. Your adviser must provide a disclosure that sets out commissions and conflicts - please ask for it and read it.

What should I ask an insurance broker to make sure I get the best policy and service?

The expertise of an insurance broker can vary from one to another. To get the best results, ask two essential questions:

How many insurers do you work with? The more insurers the broker has a relationship with, the higher the chances you'll get the most appropriate policy at the best price. A good answer is at least five insurers, but the more they cover, the better the options will be.
What are your fees and commissions? You can ask that - by law, brokers must provide you with their disclosure statement which outlines how they're paid.

Wellington Insurance Brokers - Things to Know Upfront

Getting expert insurance guidance does not cost you more: Insurance brokers are paid a commission by the insurance provider for selling their products. You won't pay for their time, and if you don't go ahead, there's no cost either.
Insurance brokers are specialists: Insurance brokers sell insurance all day long, and bring specialist expertise no matter what your needs are. This is important when you're looking, for example, for life or income protection insurance and have a pre-existing health issue; brokers know which policies will be most suitable.
You'll be made aware of suitable options: If you go directly to an insurance company, in most instances, they won't know specifically what you need. An insurance broker will sit down with you, ask questions and listen to your needs, and explain the types of cover available. Their process is to get you the 'right' insurance by covering you for your needs. Insurance brokers will be able to let you know if any existing insurance covers you to avoid overlap (and overpaying).
There may be price flexibility: Insurers don't usually drop their prices if you go to them directly. However, insurance brokers are more flexible on price and can, in many instances, negotiate on policy costs.
An insurance broker can tailor policies for income protection and critical illness protection: An insurance company will sell one-size-fits-all products, which might not be suitable for your needs. An insurance broker matches your situation with specific policies to ensure a 'best fit'.
An insurance broker takes care of claims: This is one of the biggest benefits of using an insurance broker in the first place. If you do need to claim on your policy, you're likely to be going through a lot of stress without dealing with an insurance company on top of that. Your insurance broker will take the details and make a claim, and deal with any push back or issues. In essence, they fight in your corner and help you get the appropriate payout. If you buy insurance directly, you'll have to go back and forward with the insurance company directly, which can be daunting and cause a lot of hassle and worry.

Wondering what life insurance, health and/or income protection cover actually costs for someone your age?

Plenty of New Zealanders assume insurance is expensive without ever checking, or pay too much by never comparing.
With LifeDirect you can see real life insurance quotes and income protection prices from insurers like AIA, Fidelity, Chubb Life and Partners Life side by side in about a minute - with no phone calls and no follow-ups.

Your policy and premiums stay exactly the same - the cashback is paid on top, straight to your bank account.
As an example, a $400/year policy gives you $80 back in cash, and a $1,500/year policy returns $300.
You register through your MyLifeDirect login, and it's paid once your policy has been in force for around 13 months.
LifeDirect's cashback terms and conditions apply - you can find them on their homepage.

See Life Insurance Costs for Your Age

Trusted Wellington Insurance Brokers Available Right Now

Know This First: How we chose the brokers on this page

This is an editorial list - the brokers here are our own picks, chosen by the MoneyHub team based on their longstanding service in the Wellington region and what we found in public reviews and professional listings.
No broker has paid to appear on this page - being listed is not a paid placement or a formal accreditation.
We have not individually audited each broker's licensing or work, so treat this as a researched starting point, not a stamp of approval.

We have no commercial relationship with any broker on this page, with one exception: LifeDirect. LifeDirect is an online service that arranges life, income protection and health insurance, and it is a MoneyHub partner - which means we charge them a fee for showcasing their insurance brokerage services to our readers. Every other firm on this page is an editorial pick that has paid us nothing. We're upfront about that difference - and we do not let payment buy a better write-up, or keep fair criticism out.

Important: This guide is general information, not personal financial advice, and being listed is not a recommendation for your situation. Always do your own due diligence, and remember any engagement is strictly between you and the broker you choose. If something here does not look right, email us through our Contact Us page and we will look into it.

Reminder: By law, any broker who advises you must give you a disclosure statement showing how they're paid - including commissions - and any conflicts of interest. It costs nothing to ask for, so ask early and read it before you commit.

LifeDirect -Life and Health-related Insurance Adviser

Location: Te Aro, Wellington
Hours: Mon – Fri 8:30 am – 5:30 pm
Website: LifeDirect (get a Life Insurance quote)
Phone: 0800 800 400

Best for: Comparing life, income protection and health cover online, from anywhere in New Zealand.

LifeDirect is a Wellington-based, licensed online insurance service that lets you compare real prices from a range of major insurers and apply in your own time - with advisers on hand by phone, video or live chat if you'd rather talk it through.

Services include:

Life insurance
Income protection
Health insurance
Trauma and total permanent disablement cover
Mortgage repayment insurance

What makes them different:

An online quote-and-compare tool - see prices from insurers like AIA, Fidelity, Chubb Life and Partners Life side by side in minutes, rather than ringing each one.
A licensed Financial Advice Provider with a team of advisers you can reach by phone, video or live chat, wherever you are in the country - so you're not tied to one city's office.
No fee to you: like most brokers, LifeDirect is paid a commission by the insurer, not by you.
Operating since 2005, helping tens of thousands of New Zealanders compare, buy, review, and claim on their cover.

Caveo Insurance - General Insurance Broker

Location: Te Aro, Wellington
Hours: Mon – Fri 9 am – 5 pm
Google Review rating: 5.0/5
Facebook Page: Caveo Insurance – General Insurance Broker
Website: Caveo Insurance – General Insurance Broker
Email address: [email protected]
Phone: 04 803 3616

Best for: Home, contents, car, landlord and business cover.

Caveo is the dedicated general insurance arm of Wellington firm Velocity Financial, advising on both domestic and commercial cover and working across a range of insurers.

Services include:

Home, contents and landlord/rental insurance
Car and pleasure craft insurance
Business and commercial insurance (premises, contents, stock, liability)
Claims support and cover reviews