Ironclad Life
Honest & Independent
Ironclad Life Insurance Advice Ltd, led by Rob Howarth, specialises in providing expert life insurance advice. With over a decade of experience, we offer tailored solutions including Life Insurance, Trauma Insurance, Income & Mortgage Protection, Total Disability Insurance, and Private Health Insurance to protect what matters most.
Personal & business insurances are catered for including shareholder and key person protection policies.
We are an independent Financial Advice Provider and work with the major insurance providers to ensure you get an insurance package that meets your needs and your budget.
Our Services
Life Insurance
Our life insurance plans are designed to give you and your family financial security. Choose from a variety of options to fit your unique situation and budget.
Trauma Insurance
Protect yourself against unexpected health crises with our trauma insurance. Receive a lump sum payment upon diagnosis of critical illnesses. This is designed to give your finances breathing space while you work through your situation.
Income & Mortgage Protection
Ensure your monthly cashflow stays secure with our income & mortgage protection policies. This is a complex product suite and requires careful analysis to ensure the package is affordable and works efficiently alongside any ACC weekly compensation you may be receiving.
Total & Permanent Disability - TPD
Statistically it's not a common occurrence but it is still a huge financial impact if you can never work again. There are a number of ways to ensure this scenario is covered.
Accident & Injury Cover
A relatively new product on the market this is a very affordable option to give you some additional cashflow alongside any ACC weekly compensation you may be receiving.
Private Health Insurance
For individual's, families or businesses we can show you the options and compare providers to get you a package that meets your needs. Options are available for hospital/surgical cover, specialist & tests, GP, dental, opticiansetc
Client Testimonials
"We have been with Rob for 9 years, he's always there when we need him - highly recommended"
Reuben & Narelle. Manly Whangaparaoa
"We were introduced to Rob last year who did a thorough review. He re-structured our policies to get a better value for money package which has been invaluable in the last 12 months, thanks Rob"
Renere & Bruce, Browns Bay
"Rob took over managing our old policies, he restructured and managed to get a backdated claim paid that was missed 6 years earier!"
Brett & Elize, Makarau
FAQ
Why Choose Ironclad Life?
We provide personalised life insurance solutions tailored to your specific needs, backed by over 10 years of industry experience.
How to Begin?
Starting with us is simple. Contact us for a consultation, and we will guide you through the step by step process to find the right insurance policy for your needs.
What Sets Us Apart?
Our commitment is to personalised, independent advice and ongoing support. We prioritise building lasting relationships with our clients.
Are you tied to a particular insurer?
No, we are not tied. We work with the top insurers in NZ and our advice and choice of provider is based on the best policy wording for your needs together with a price that meets your budget.
What if I need to claim?
We are here to help you at claim time and liaise with the insurer on your behalf. If you have suffered a medical event please let us know and we can investigate a potential claim.
Can I Review My Coverage?
Absolutely! We recommend regular reviews of your coverage to ensure it meets your current needs. Annual reviews are a given but you can review at any stage especially if your circumstances change.