027 272 2631Andrew and Shanon Hendricks
We work with people who would struggle financially if they could not work, got seriously ill, or were not here any more. Life, trauma cover, disability insurance, income and mortgage protection, medical insurance and KiwiSaver, from advisers who are not tied to one insurer.
The names all sound alike, so here they are side by side. Two of these pay a lump sum, three pay you monthly while you cannot work, and one pays your medical bills.
| Cover | What it pays | When it pays |
|---|---|---|
| Life insurance | A lump sum to the people you leave behind | If you die or are diagnosed as terminally ill. Some products release funds early for a funeral. |
| Trauma cover | A lump sum to you | On diagnosis of one of several serious conditions and critical illnesses, so recovery is not a money problem as well. |
| Disability insurance | A lump sum to you | If illness or injury totally or permanently stops you working. |
| Income protection | A monthly payment | While illness or injury keeps you off work. Options exist whether you are salaried, self employed or run your own business. |
| Mortgage protection | A monthly payment | To keep the mortgage paid when your income stops. |
| Redundancy insurance | A monthly payment | If you lose your job, to cover the commitments that do not pause. |
| Private medical | Your treatment costs | When you need surgery or treatment and would rather not wait, or face the bill yourself. |
We start by listening. Understanding what you are worried about, and what would happen to your finances if something went wrong. From there we find the right solution and make sure it is done.
We work across a named panel of providers, so the recommendation fits you rather than one company's product list.
Experience in the insurance industry here and overseas, and a licence limited to what we actually advise on.
Life changes and so should your cover. You could be overinsured, underinsured, or paying for something that no longer fits.
Our job is not to talk you into cover. It is to make sure you know what you are deciding, including when you decide against it.
Not one insurer, and not a panel you cannot see. These are the companies named in our disclosure statement.
Protect your loved ones with comprehensive life insurance coverage, ensuring financial security.
Comprehensive medical coverage tailored to your needs, with control over your treatment.
Safeguard against job uncertainties, ensuring financial stability during a job loss.
A financial safety net during challenging times, providing support when it is needed.
Support and financial stability in the face of unexpected challenges.
Ensure your home remains a haven by protecting the mortgage behind it.
Maximise your savings with KiwiSaver advice tailored to your goals. See what happens when you start.
Keep an income coming in during unforeseen circumstances.
Personalised wills to secure your family's future and see your wishes carried out.
Financial adviser. Over 20 years in the industry, here and overseas.
A dedicated personal risk insurance adviser, specialising in fit for purpose recommendations for life, trauma cover, disability and private medical insurance.
Financial adviser. Insurance and KiwiSaver.
"I work with people who would struggle financially if they couldn't work, got seriously ill, or weren't here anymore. I help you put a plan in place before something happens. I start by listening."
In 2026 the club became Northern League champions for the first time in 63 years. We stayed for the celebrations afterwards, and what stood out was the community behind the team. People who played for Birkenhead United 40 years ago, still turning up, still proud of what this team achieved.
Shanon Hendricks
Birkenhead United AFC Platinum sponsor
Andrew is the best broker we've had to date. He is professional and provides an excellent service. He helped tailor the best solutions for our needs.Cassie Isaacs
At every meeting, he gives us assurance that we are in good hands. His many years of experience and incredible ability to listen and offer products that are the right fit are the reasons we will keep him for many more years to come.Krystal Pascual
Hencoz has been exceptional to deal with. Andy has been able to assist us with tight timelines and just overall great service.Stacey Patrick
Tell us what you are trying to protect. The first conversation costs nothing and there is no obligation at the end of it.