Keep it together with Keystone
Like the keystone that holds an archway together, Keystone Financial Solutions provides personal insurance designed to keep your family or business financially stable during life’s unexpected crises. When life doesn’t go as planned, Keystone ensures you have the right solutions in place to hold everything together.
With decades of industry experience, Keystone’s team specialises in helping clients make informed and personalised insurance choices that fit their unique needs. Their approach is rooted in no-pressure, genuine financial advice—designed to give you peace of mind with a tailored “Plan B” for the moments when you need it most.
Keystone, for unbiased advice
Keystone works with New Zealand’s leading life and health insurers, offering a wide range of products without favouring any particular provider or bank. Their commitment is to recommend only the solutions that best align with your individual needs and budget.
It’s not about insurance, it’s about you
Everyone’s circumstances are different, which is why Keystone’s focus is on helping you achieve your personal and financial goals. By understanding what matters most to you, they deliver tailored insurance solutions that perfectly match your life plans.
Are you over-insured?
Keystone helps you evaluate your current insurance policies to ensure they provide the right type and level of coverage. Many clients discover they are paying for unnecessary policies or outdated coverage. For example, Keystone recently helped a couple who were unknowingly paying for insurance they could no longer claim due to age restrictions.
The importance of disclosure
When applying for insurance, full transparency is critical. Disclosing all relevant details ensures that your claims are honoured when needed. Keystone helps you navigate this process so your insurance is there for you when you need it most.
How it works for you
- Meet and get to know you: Keystone schedules meetings in person, via Zoom, or over the phone to begin the process.
- Understand your situation: At the initial meeting, they gather information to understand your financial concerns and health-related risks.
- Analyse and research: Keystone conducts in-depth research to prepare personalised recommendations, identifying the ideal insurance providers and plans.
- Report back: They present their recommendations, helping you choose a plan that aligns with your budget and goals.
- Implement: Keystone assists with completing application forms and finalising your insurance policy.
- Ongoing service: Keystone provides annual reviews to ensure your policies remain relevant and appropriate. They also actively assist with claims when needed.
Insurance providers
Keystone partners with an extensive range of trusted providers to find the best fit for your needs:
- AIA Life
- Asteron
- Cigna
- Fidelity Life
- Partners Life
- NIB Health
- Southern Cross
- Vero (for house, car, and contents insurance)
Important information
Keystone Financial Solutions Limited (FSP706131) holds a licence issued by the Financial Markets Authority and complies fully with the Privacy Act 2020.
How much do you need to keep it together?
An effective financial backup plan ensures stability in these five scenarios:
- Medical diagnosis or treatment: Access specialist care without being held back by costs or public healthcare wait times.
- Inability to work due to illness or injury: Protect your household income and maintain your lifestyle while you recover.
- Major health event: Minimise financial stress during recovery by covering costs and ensuring access to top-tier care.
- Total and permanent disability: Adapt to life’s changes by repaying debt, securing your future, and modifying your home as needed.
- Terminal illness or passing: Ensure your family’s financial security by clearing debts, covering funeral expenses, and planning for education and future stability.
With Keystone, you can feel confident knowing your financial security is in good hands.