Most Kiwi families are either overpaying or dangerously underinsured — and only find out at claim time. Mayank compares New Zealand's top insurers to find cover that actually protects you, at no cost to you.
Free advice session · No obligation · All NZ regions covered
Hi, I'm Mayank Aggarwal — a licensed personal insurance adviser based in Auckland, helping New Zealand families protect what matters most.
Insurance decisions can feel overwhelming. My job is to cut through the noise, compare the right options across NZ's top providers, and make sure you walk away with cover that actually protects you — not just a policy that looks good on paper.
And the best part? My advice is 100% free to you. I get paid by the insurers only when your cover stays in place. That means my incentive is always to find you the right fit, not the highest-commission sale.
Many policies have gaps you only discover at claim time — when it's too late.
If illness or injury stopped your income tomorrow, could you cover your mortgage and bills?
Buying direct often means you overpay for generic cover. A broker compares all options for your specific situation.
AFA is there at claim time — the most stressful moment. We advocate for you, not the insurer.
Sound familiar? A free 45-minute consultation will show you exactly where your cover stands.
Fix My Insurance — Book Free ConsultationWe cover everything that matters — with advice tailored to your life, not a generic checklist.
Skip the long public wait lists. Get access to specialists, private hospitals, and faster treatment — when you need it most.
Your income is your most valuable asset. If illness or injury stopped you working, this cover replaces your monthly income — so your life doesn't stop.
Financial protection for your loved ones in the event of your death. Tailored cover based on your age, health, and life stage.
Get AdviceLump sum payout if you're diagnosed with cancer, heart attack, stroke, or other critical conditions. Fills the gap health insurance misses.
Get AdvicePays your monthly mortgage repayments if illness or injury stops you working. Keep your home even when things go wrong.
Get AdviceLump sum payment if you're permanently unable to work due to injury or illness. Covers medical costs, living expenses, and more.
Get AdviceCovers medical costs and lost income from accidental injuries. Peace of mind for active lifestyles and physical roles.
Get AdviceLump sum cover for specific injuries — especially useful for trade professionals whose livelihood depends on physical capability.
Get AdviceWe're not tied to one insurer. We compare AIA, Partners Life, nib, Fidelity, Asteron, and Cigna to find the best cover at the best price for your situation.
Our advice is completely free to you. We're paid by the insurer only if you take up cover. No hidden charges. No pressure. No surprises.
Every client gets a personalised needs analysis. No cookie-cutter recommendations — just cover that fits your life, budget, and goals.
When the worst happens, we're in your corner. We help you navigate the claims process and advocate on your behalf — so you can focus on recovery.
Based in Auckland, serving clients nationwide via online consultations. Whether you're in Christchurch, Wellington, or anywhere in between — we've got you.
Fully licensed under CFAN (Certainty Financial Advisers Network). We operate to the highest standards of the Financial Markets Authority NZ.
Pick a time that works for you. No prep needed — just 45 minutes of your time and we'll do the rest.
We understand your situation, compare options across 6 providers, and recommend the right cover at the right price.
Get your policy sorted — and enjoy knowing AFA has your back if you ever need to claim.
"Mayank made the whole process incredibly easy. He explained everything in plain English, compared multiple options, and found us great health cover. Highly recommend!"
"I had no idea I was underinsured until I spoke to Mayank. He walked me through income protection in a way that actually made sense. Professional, knowledgeable, and genuinely helpful."
"When we needed to claim, AFA was right there with us. Mayank helped us through every step and we got our payout quickly. That's when you truly appreciate having a good adviser."
"As a self-employed tradie, I didn't realise how exposed I was. AFA sorted me out with specific injury cover that actually fits my work. Fast, friendly, and no hidden fees."
"Compared three health insurance options for my whole family. AFA found us a better deal than what we had. Professional, thorough, and never pushy. Absolute 10/10."
"Efficient, knowledgeable, and genuinely cares about finding the right cover. Mayank helped me understand life insurance in a way no one had before. Couldn't recommend more highly."
"Switched from my old insurer and saved money while getting better cover. Mayank did all the paperwork. The whole experience was smooth and stress-free. Would 100% recommend."
"Amazing service. Called Mayank on a Friday afternoon, had our income protection sorted by Monday. No jargon, clear explanations, and genuinely the best insurance experience I've had."
"Mayank made the whole process incredibly easy. He explained everything in plain English, compared multiple options, and found us great health cover. Highly recommend!"
"I had no idea I was underinsured until I spoke to Mayank. He walked me through income protection in a way that actually made sense. Professional, knowledgeable, and genuinely helpful."
"When we needed to claim, AFA was right there with us. Mayank helped us through every step and we got our payout quickly. That's when you truly appreciate having a good adviser."
"As a self-employed tradie, I didn't realise how exposed I was. AFA sorted me out with specific injury cover that actually fits my work. Fast, friendly, and no hidden fees."
"Compared three health insurance options for my whole family. AFA found us a better deal than what we had. Professional, thorough, and never pushy. Absolute 10/10."
"Efficient, knowledgeable, and genuinely cares about finding the right cover. Mayank helped me understand life insurance in a way no one had before. Couldn't recommend more highly."
"Switched from my old insurer and saved money while getting better cover. Mayank did all the paperwork. The whole experience was smooth and stress-free. Would 100% recommend."
"Amazing service. Called Mayank on a Friday afternoon, had our income protection sorted by Monday. No jargon, clear explanations, and genuinely the best insurance experience I've had."
Testimonials shown above are illustrative examples reflecting typical client experiences. For our complete, verified Google review listing, please see the link to our Google profile.
Absolutely nothing. AFA Insurance charges zero fees for advice. We are paid a commission by the insurer only when you take up cover — and only if that cover stays in place for at least 2 years. Your consultation, comparison, and recommendation are all completely free.
It's a relaxed 45-minute conversation — usually over Zoom or Google Meet. Mayank will ask about your life situation, health, income, family, and financial goals. From there, he'll compare options across 6 top NZ insurers and recommend the right cover for your needs. No pressure, no hard sell.
Absolutely. Many people are either over-insured (paying too much for unnecessary cover) or under-insured (missing key gaps). A free review often finds ways to improve your protection or reduce your premiums. It costs nothing and takes under an hour.
Health insurance covers medical treatment costs — hospital stays, specialist visits, surgeries. Trauma (critical illness) insurance pays you a lump sum if you're diagnosed with a serious condition like cancer, heart attack, or stroke. That lump sum covers things health insurance doesn't — like lost income, mortgage payments, or home modifications. Many people need both.
Yes — we serve all of New Zealand. All consultations can be done online via Zoom or Google Meet, so it doesn't matter if you're in Wellington, Christchurch, Dunedin, or anywhere else. Geographic limitations don't apply here.
For personal risk insurance: AIA, Asteron, Fidelity, nib, Partners Life, and Cigna. For health insurance: AIA, nib Health, and Partners Life. Because we're independent, we compare across all of these to find what's best for you — not what pays us the most.
Usually within a few days. Fill in the short form below and Mayank or the team will reach out to confirm your slot. You pick the time that works for you.
Fill in the short form and we'll reach out within 1 business day to confirm your free 45-minute session with Mayank.
Prefer to email?
mayank@afainsurance.co.nzTakes 2 minutes · 100% Free · No Obligation
Online consultations mean geography is no barrier. We've helped clients from Northland to Invercargill.
One free 45-minute call could make the difference when the unexpected happens. Book your session with Mayank today.
Free advice · No obligation · Licensed under CFAN/FMA NZ
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