Step 1: Free Discovery ChatWe talk about your business, people, goals, and risk areas.
Insurance Broker New Zealand
Independent insurance advice to protect your health, income, and lifestyle, so you can focus on living well, knowing you’re covered.
Independent Insurance Advice That Puts You First
Insurance isn’t one-size-fits-all. Your work, health, family, income, and lifestyle all play a role in what protection makes sense for you.
At The Insurance Team, we believe health is wealth. While people are living longer than ever, quality of life doesn’t always keep pace. That’s why the right insurance, set up properly and reviewed over time matters at every stage of life.
As an independent insurance broker in New Zealand, we help you make informed decisions, compare options across multiple insurers, and put the right protection in place without confusion or pressure.
What an Insurance Broker Does (And Why It Matters)
An insurance broker works for you, not the insurance company. Instead of selling a single product, we:
Understand your personal and financial situation
Compare policies across multiple insurers
Explain your options clearly
Recommend cover that fits your needs today, with flexibility for the future
Our role is to help you protect what matters most, your ability to earn, your health, your family, and your lifestyle, so money is one less thing to worry about if something unexpected happens.
Insurance Advice for New Zealanders
We work with clients across New Zealand, from busy professionals and business owners to families and individuals who value clarity and long-term support.
Our advice commonly covers:
● Health Insurance: Faster access to private treatment and care
● Life Insurance: Financial protection for your family and debts
● Income Protection: Cover for illness or injury that stops you working
● Trauma/TPD Cover: Lump-sum support during serious health events
● Business & ACC Advice: Protecting income, cashflow, and business continuity
Every recommendation is tailored to your situation, not a template or sales target.
Meet Lou
Your Local Insurance Adviser
With 20+ years of experience in the NZ and UK financial industries, Lou Grinstead helps people make sense of insurance and feel confident about their decisions. She’s relatable, straight-talking, and genuinely here to help you protect what matters most.
Lou started The Insurance Team to offer a fresh, human approach to insurance. Not corporate. Not salesy. Just honest advice, ongoing support, and someone who actually has your back when life gets messy.
While Lou is the face of the business, you’re supported by a small, growing team, ensuring you get personal service with the capacity to support your long-term needs as your business grows.
Why Work With The Insurance Team
Independent, Transparent Advice
We’re not tied to one insurer. We compare multiple providers to find the right fit for your business, not the most expensive option.
Support at Claim Time
If something happens, you call us, not a call centre. We guide you through the process, answer your questions, and make sure you feel supported every step of the way.
Clear, Simple Explanations
Insurance shouldn’t feel overwhelming. We explain everything without the jargon so you can make confident, informed decisions.
Advice Built Around You
Your insurance should reflect your lifestyle, income, health, and goals.
Ongoing Reviews
Life changes. Your cover should too. We stay involved as your needs evolve.
How the Process Works
Step 2: Compare Your OptionsWe analyse multiple insurers to find realistic, tailored cover that fits your budget.
Step 4: Setting things upOnce you’re ready, we handle the setup and guide you through each step of putting your cover in place.
It's peace of mind
Lou has been absolutely fantastic to work with in getting all of our insurance sorted. For the first time, we feel fully covered with a clear understanding of exactly how our plans have been tailored to suit our needs. In the past, I’ve always had insurance but never taken the time to go through it in such a comprehensive way. Lou made the whole process easy and stress-free, breaking everything down so we knew what we were paying for - and more importantly, what we didn’t need. It's such a peace of mind knowing we’re not only properly covered but also not overpaying or doubling up on anything. We honestly couldn’t recommend Lou more highly!
- Lisa & Josh
What Our Clients Say
Here are a few words from our clients who trust us to look after their business, income, and families.
An absolute legend to deal with
Lou made our experience from start to finish so easy! I had a fair amount of exclusions and Lou managed to get me the best insurance available to me. An absolute legend to deal with. My partner and I are stoked to find someone as good as Lou to help us through the process.
- Jono Devine
What Our Clients Say
Here are a few words from our clients who trust us to look after their business, income, and families.
Lou genuinely cared about our future, giving us peace of mind
As first-home buyers, we weren’t sure if we needed personal insurance, but Lou at The Insurance Team made all the difference. She took the time to explain why protecting ourselves was just as important as safeguarding our new home. Her knowledge, patience, and clear guidance made the process easy to understand, ensuring we had the right coverage for our needs and within a budget the fits our lifestyle. Lou genuinely cared about our future, gave us real peace of mind and honest advice. We highly recommend Lou and The Insurance Team - her expertise are invaluable!
- Paris Brown
What Our Clients Say
Here are a few words from our clients who trust us to look after their business, income, and families.
Continued check ins leave us feeling very taken care of
Lou was such a help with sorting out our insurances and really made the process easy and smooth. She helped us to understand exactly what we were getting and how we would be covered and got us the best deal ever! The continued check ins and contact has also left us feeling very taken care of and we know we can reach out at any time. Highly recommend seeing Lou for all your insurance needs! Thank you Lou for all your help!
- Mackenzie Bell
Ready to Get the Right Advice?
We work with clients across the country, tailoring insurance to your lifestyle.
Get personalised advice from a New Zealand insurance adviser who genuinely cares about helping you stay protected.
