Personal Insurance Services in Hawke’s Bay
At LMS Insure & Invest, we understand that protecting your health, lifestyle, and financial security is essential to peace of mind. Life can be unpredictable, and having the right personal insurance in place ensures that you and your loved ones are supported through unexpected events such as illness, injury, or loss.
Our experienced team of advisers takes the time to get to know you, offering personalised insurance solutions that reflect your specific needs, values, and stage of life. Proudly based in Hawke’s Bay, we work closely with individuals and families across the region to provide clear advice, reliable coverage, and ongoing support — so you can move forward with confidence, knowing you’re protected.
Personal Insurance Services in Hawke’s Bay
At LMS Insure, we believe that a well-structured financial plan is the cornerstone of achieving your life goals. With a strong presence in Hawke’s Bay and a commitment to helping individuals and families build secure financial futures, our experienced advisers provide personalised financial planning services that align with your aspirations, lifestyle, and long-term objectives.
Why Personal Insurance Matters?
Life is unpredictable, and unforeseen events can have significant financial implications. Personal insurance acts as a safety net, ensuring that you and your loved ones are protected against life’s uncertainties. Whether it’s covering medical expenses, replacing lost income, or securing your family’s future, the right insurance plan provides peace of mind and financial stability.
Personal Insurance Services in Hawke’s Bay
At LMS Insure & Invest, we provide a full suite of personal insurance solutions to individuals and families across Hawke’s Bay, including Hastings, Napier, Waipukurau, and the wider region. Our goal is to protect what matters most — your health, income, and loved ones — through tailored insurance products that meet your personal and financial circumstances. Whether you’re looking for a single policy or a combination of cover options, our experienced advisers are here to help you make informed, confident decisions.
Life Insurance
Life insurance provides critical financial protection for your family in the event of your death. It ensures that your loved ones are not left struggling with mortgage repayments, daily living costs, or funeral expenses. At LMS Insure & Invest, we help Hawke’s Bay residents put plans in place that provide certainty and peace of mind, safeguarding their family’s future no matter what life brings.
Health Insurance
Avoid long public system wait times and get faster access to treatment with private health insurance. Our health insurance solutions cover everything from specialist consultations and diagnostics to surgery and ongoing medical care. Based in Hawke’s Bay, we’ll work with you to select a plan that fits your health needs and budget, giving you greater control over your care and recovery.
Income Protection Insurance
Your income is your most valuable asset — and if illness or injury prevents you from working, the financial impact can be significant. Our income protection policies are designed to replace a portion of your regular earnings, helping you stay on top of mortgage or rent payments, utilities, groceries, and other living expenses. We support clients across Napier, Hastings, and surrounding areas to put a safety net in place when it’s needed most.
Trauma Insurance
Trauma insurance provides a lump-sum payout if you’re diagnosed with a serious condition such as cancer, heart attack, or stroke. This type of cover helps ease the financial stress of treatment, rehabilitation, or taking time off work — allowing you to focus fully on your recovery. Our team will guide you through policy options that match your medical history and personal risk profile.
Total & Permanent Disability (TPD) Insurance
If a serious accident or illness results in permanent disability, the effects on your income and quality of life can be life-changing. TPD insurance provides a financial buffer to help cover ongoing costs, home modifications, or lifestyle changes if you’re unable to return to work. At LMS Insure & Invest, we help clients across Hawke’s Bay ensure they have long-term protection in place to support their future independence and wellbeing.
Whether you live in Hastings, Napier, Havelock North, Waipukurau or anywhere in between, our Hawke’s Bay-based team is here to guide you through your personal insurance options. We make sure you have the right protection — and that you understand exactly how your policy works. Let us help you build a more secure tomorrow, today.
Benefits of
Choosing
LMS Insure & Invest
Local Expertise
Being based in Hawke’s Bay, we have a deep understanding of the community's unique needs and challenges.
Comprehensive Services
Our wide range of insurance products ensures that all aspects of your domestic protection are covered.
Trusted Advisers
Our team comprises seasoned professionals committed to providing honest and transparent advice.
Accessible Support
We are available 24/7 and can meet at a time and place that suits you, including virtual consultations.
Our Approach to Personal Insurance
At LMS Insure & Invest, we prioritize understanding your individual needs and circumstances:
- Personalised Consultation: We begin with a comprehensive discussion to assess your current situation, future goals, and potential risks.
- Tailored Solutions: Leveraging our extensive experience, we design insurance plans that provide optimal coverage and value.
- Ongoing Support: We regularly review and adjust your insurance portfolio to ensure it remains aligned with your evolving needs.
Meet Our Personal Insurance Experts
James Mackie
With LMS Insure & Invest since 2006, James specialises in life and health insurance, offering personalised solutions to meet clients’ unique needs.
Adam Stoddart
Joining LMS Insure & Invest in 2019, Adam brings a wealth of experience in general insurance, focusing on providing comprehensive coverage for individuals and families.
Our clients' satisfaction reflects our commitment to excellence!
Hear from our clients
“James provided clear and concise advice, making the insurance process straightforward and stress-free.”
“Adam’s expertise and attention to detail ensured we had the right coverage for our family’s needs.”
“Peter helped with QROPS, pensions, and retirement planning—highly recommended for expert guidance.”