Life Insurance
Life is unpredictable. Peace of mind is priceless.
None of us can predict when or how we’ll depart this world, but we can prepare for the impact it has on those we love. When you’re gone, you won’t just leave a hole in their hearts - you could also leave a significant financial gap.
Your family could face tough choices, like how to make ends meet when one parent has to return to work, or even where to live when the mortgage becomes unaffordable. Life Insurance is not just a policy. It’s a promise to care for those you leave behind.
The ultimate 'just in case'.


Life is unpredictable. Peace of mind is priceless.
None of us can predict when or how we’ll depart this world, but we can prepare for the impact it has on those we love. When you’re gone, you won’t just leave a hole in their hearts - you could also leave a significant financial gap.
Your family could face tough choices, like how to make ends meet when one parent has to return to work, or even where to live when the mortgage becomes unaffordable. Life Insurance is not just a policy. It’s a promise to care for those you leave behind.
Life is unpredictable. Peace of mind is priceless.
None of us can predict when or how we’ll depart this world, but we can prepare for the impact it has on those we love. When you’re gone, you won’t just leave a hole in their hearts - you could also leave a significant financial gap.
Your family could face tough choices, like how to make ends meet when one parent has to return to work, or even where to live when the mortgage becomes unaffordable. Life Insurance is not just a policy. It’s a promise to care for those you leave behind.
Life is unpredictable. Peace of mind is priceless.
None of us can predict when or how we’ll depart this world, but we can prepare for the impact it has on those we love. When you’re gone, you won’t just leave a hole in their hearts - you could also leave a significant financial gap.
Your family could face tough choices, like how to make ends meet when one parent has to return to work, or even where to live when the mortgage becomes unaffordable. Life Insurance is not just a policy. It’s a promise to care for those you leave behind.
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Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Life is unpredictable. Peace of mind is priceless.
None of us can predict when or how we’ll depart this world, but we can prepare for the impact it has on those we love. When you’re gone, you won’t just leave a hole in their hearts - you could also leave a significant financial gap.
Your family could face tough choices, like how to make ends meet when one parent has to return to work, or even where to live when the mortgage becomes unaffordable. Life Insurance is not just a policy. It’s a promise to care for those you leave behind.
Life Insurance
37,569 registered deaths in New Zealand in 2023
(that's the population of Gisborne)

Kiwis are 2x likely to play Lotto than have Life Insurance.
Kiwis are 3,800x likely to die than win Powerball.
So why gamble with your family's future?
Do I need Life Insurance?
Everyone’s situation is different, but imagine what happens when you pass away.
If your spouse, children, or family members rely on your income, they’ll suddenly face a financial gap. Without that safety net, they might have to make difficult choices - working extra hours, selling property, or dealing with debts they can no longer afford. On top of this, there are final expenses, like funerals, that add stress at an already difficult time.
Life insurance offers a financial cushion, absorbing the shock and protecting your loved ones from having to make these tough decisions.
People often think about life insurance during big life events like buying a house, getting married, or starting a family. These are the moments when it becomes clear how much your family depends on you.



Buying a house
Getting married
Starting a family
It's not always obvious how much Life Insurance you may need, but the role of a financial adviser is to help individuals, families and businesses to calculate how much cover is necessary to make sure the effect of your death is not going to financially devastate the people you leave behind.
Many people have a particular budget in mind when it comes to cover, or may have partuclar long term financial goals which can be factored into a Life Insurance policy.
An adviser also helps with a recommendation of a particular insurance provider, and a particular policy to help you meet your financial goals and budget.
Who are we?
Price-Milne Financial Services is dedicated to providing expert, transparent, and personalized insurance advice. Our mission is to guide families and individuals to make informed financial decisions that give them peace of mind.
Why Do We Do It?
Insurance and personal finance can feel overwhelming. With so little of this taught in schools, most people feel unprepared. It’s common to take a "She’ll be right" approach to money and hope things work out.
We founded Price-Milne Financial Services to change that. Our goal is simple: to empower people with the knowledge and tools they need to secure their financial future. We don’t just offer insurance solutions; we help you take control of your financial wellbeing.
By simplifying complex concepts, we tailor advice to fit your specific needs and help you feel confident in the decisions you make for your family’s future.
Our commitment to improving financial literacy in our community means that every conversation with us is a step toward greater financial security.
What it's like working with us
Here's the bottom line: our services completely free.
At Price-Milne Financial Services, we offer personalized, flexible services from experienced advisers who understand that no two clients are the same. We’ll break down all the jargon and explain everything in plain language, so you feel confident about your insurance decisions.
We also know that life changes - and so should your insurance. That’s why we offer regular reviews to ensure your policy still meets your needs and your premium is fair.
Here's what our clients say about us:
Lewis has been really great to work with. Explained all the different options and the plans and helped to choose the best and affordable one. Been a pleasure to deal with and would definitely recommend Lewis.
Mani
Life Insurance
Income Protection Insurance
Health Insurance
Good service. They were very understanding;they took time to understand my situation and work with me to get the best plan. I will differently recommend them to my friends.
Kwame
Life Insurance
Trauma Insurance
Income Protection Insurance
Absolutely love working with Lewis, he explained the hard complex stuff I didn't understand and simplified it for me. I now have a better policy than I did before and I now understand my insurance a lot better. Lewis has very efficient processes and systems! Thanks again Lewis
Jay
Life Insurance
Trauma Insurance
Thanks Lewis for all your help. Truly and honestly helpful in every aspect. Worked around my time schedule and went out of his way to talk me through my needs and wants no matter the time. Appreciate your help and tips Lewis, Very grateful.
Joshua
Life Insurance
Trauma Insurance
Income Protection
Permanent Disablement
It has been such a pleasure working with Lewis. As a newcomer to NZ, his insight and guidance on choosing an insurance plan that was best suited to my needs has been invaluable. He has always been available to answer my questions and was able to get my cover activated almost immediately.
Zerisha
Life Insurance
Lewis' service was absolutely outstanding. He went above and beyond to make sure that we still have the best cover, at the best possible price. He made 100% sure he understood our circumstances. He really personalised the whole experience. It was an absolute pleasure dealing with him.
Alta & Colin
Life Insurance
Trauma Insurance
I really appreciate Lewis' help regarding adjusting my policy to suit my requirements at a price that suited my budget & less than what I was paying prior. The icing on the cake is the AIA Vitality add-on it's been 2 weeks since I started & I'm thoroughly enjoying the health & voucher benefits so THANK YOU for making this process less stressful 😊
Molly
Life Insurance
Trauma Insurance
Income Protection
I appreciated Lewis' diligence, perseverance and patience. To be honest, while important, filling out medical declarations and reading screeds of paperwork is pretty low on my priority list..... Lewis got it across the line with a few variances from genuine insights along the way. Full credit to him for listening and personalising a policy that best suits my needs. Would not hesitate to recommend him to any prospective clients. Much appreciated.
Daryl
Life Insurance
Trauma Insurance
Lewis not only clarified policy details but also guided me smoothly through the claim process, making it easy to understand and manage. Highly recommended.
Kylie
Health Insurance
Highly recommended, very friendly, and understands our financial needs and goals. Lewis is a trustworthy adviser. Easy to understand the way he explained.
Noriel & Evangeline
Life Insurance

Our Services
Free Consultation & Policy Review
We believe everyone deserves clear advice. That’s why our initial consultation is free, and we’ll also review your existing policies—no strings attached.
Tailored Insurance Recommendations
No two clients are the same. We listen to your needs and create personalised insurance solutions, ensuring your family is protected without paying for unnecessary coverage.
Regular Policy Updates
Life changes, and so should your insurance. We conduct regular reviews to make sure your policy keeps up with your evolving needs.
Guidance Through Every Step
From selecting the right provider to understanding your options, we walk with you every step of the way, making sure you feel confident and informed about your decisions.
Full Suite of Covers
We're experts in personal risk and health insurance. If you're new to any of these covers, or you're looking to review a policy you already have in place for suitability, get started below.
Get Started
Don't leave the future to chance, take your first steps today.
Click below to book a free appointment with an adviser, and take the first step towards securing the future.
How much do I need?
It’s not always easy to know how much life insurance you need. That’s where an experienced financial adviser comes in. We help you calculate the right amount of cover to ensure your loved ones are financially secure, no matter what.
Whether you’re working within a specific budget or have long-term financial goals, we’ll guide you through the process of finding the right provider and policy for your unique needs.
Life Insurance: common myths
Myth 1: "Life insurance is too expensive."
Life insurance is often much more affordable than people think, especially for younger individuals or those in good health. A basic policy can cost less than a cup of coffee per week. By locking in a policy now, you can secure lower premiums and long-term peace of mind, knowing your family will be taken care of without breaking the bank.
A financial adviser can help you work something into your specific budget.
Myth 2: "I’m young and healthy. I don’t need life insurance yet."
That's the perfect time to get cover!
As we get on, we pick up various health conditions along the way. Pre-existing health conditions can impact your policy is various ways, such as loadings or exclusions.
While you may be young and healthy today, life is unpredictable. Securing a life insurance policy early gives you the advantage of lower premiums and more coverage options. Plus, having life insurance means that if something unexpected happens, your family will be financially protected. It’s about planning for the future, not just the present.
Myth 3: "I have coverage through work, so I don’t need more life insurance."
Workplace life insurance is a great perk, but it usually offers only limited coverage—often just 1-2 times your annual salary. That amount might not be enough to cover your family’s long-term needs, especially if you have a mortgage, debts, or children to support. Simple maths.
Myth 4: "It’s too complicated to figure out how much I need."
That’s exactly what a financial adviser is for; to walk you through the process. We look at your income, debts, lifestyle, and long-term goals to recommend a policy that fits your family’s specific needs. It’s about finding the right balance for your budget and peace of mind.
Myth 5: "I don’t need life insurance because I’m single and have no dependents."
Even if you don’t have a spouse or children, life insurance can still be important. You may have debts, like student loans or a mortgage, that someone would have to settle. And if you want to leave something behind for aging parents, siblings, or other loved ones, life insurance provides a way to do that. Plus, buying a policy now ensures lower premiums if your situation changes in the future.
What it's like working with us
Here's the bottom line: our services completely free.
At Price-Milne Financial Services, we offer personalized, flexible services from experienced advisers who understand that no two clients are the same. We’ll break down all the jargon and explain everything in plain language, so you feel confident about your insurance decisions.
We also know that life changes - and so should your insurance. That’s why we offer regular reviews to ensure your policy still meets your needs and your premium is fair.
Here's what our clients say about us:

"I wholeheartedly recommend"
"Would recommend to anyone"
"Highly recommended"
"Such a pleasure"
"Absolutely outstanding"
"Truly and honestly helpful in every aspect"
"Absolutely love"
"Will recommend them to my friends"
"Would highly recommend to any prospective client"
"THANK YOU for making this process less stressful"
"Highly recommended"
