DBI: Independent Insurance Advice in NZ
Life, Health & Disability Insurance Advice
Specialist insurance advice across life, trauma, income protection, health and business risk cover. Wellington based and supporting clients nationwide. We compare options across AIA, Southern Cross, Chubb and nib so you can make confident, informed decisions.
DBI Ltd is a Registered Financial Adviser FSP 1007984, operating under AIA Thrive Limited FSP 665291.
Blake Dowman
Personal and Business Risk Insurance Adviser
Registered Financial Adviser. Wellington based. Nationwide service.
Book a Free CallWhy Choose DBI
Insurance advice that puts your needs first
Independent Advice
We compare cover options across AIA, Southern Cross, Chubb and nib. We are not owned by a bank or insurer. For standard advice, you do not pay a fee. If you proceed, the insurer pays us.
No Hidden Fees
Advice is free to you. If you proceed, the insurer pays us, so costs are clear upfront.
Nationwide Service
Wellington based, supporting clients across New Zealand via phone or Zoom.
Fast and Straightforward
Clear explanations of benefits, limits and exclusions. No jargon and no pressure.
Our Services
Comprehensive personal risk and business insurance solutions for New Zealanders
Life Insurance
Lump sum payment to protect your family's financial future if you pass away or are diagnosed with terminal illness.
Trauma Insurance
One off payment on diagnosis of serious illness like cancer, heart attack, or stroke. Use it for treatment, time off, or recovery support.
Income Protection
Monthly benefit if illness or injury stops you working. Replace up to 75% of your income until you can return to work.
TPD Cover
Total and Permanent Disability cover provides a lump sum if you become permanently unable to work. Own or any occupation definitions.
Health Insurance
Private medical insurance for faster access to specialists, surgery, and diagnostics. Skip public waitlists and get treatment when you need it.
Business Insurance
Protect your business with key person insurance, shareholder protection, and group schemes for employees.
Support Beyond the Application
Advice and ongoing support throughout your insurance journey
Clear Advice
Understanding your cover in plain language, no jargon or confusion.
Ongoing Support
Help when life circumstances change. Review and adjust your cover as needed.
Claims Advocacy
Guidance and support if you ever need to claim. We help you navigate the process and liaise with insurers when it matters most.
Comparing New Zealand's Major Insurers
We compare personal risk insurance across multiple providers so you can choose cover that genuinely fits your situation and budget.
DBI Ltd is an independent insurance adviser in New Zealand, comparing personal risk insurance from AIA, nib, Chubb, and Southern Cross for clients nationwide. Specializing in life insurance NZ, trauma insurance advice, income protection NZ, and health insurance for all New Zealanders.
Ready to protect what matters most?
Get specialist insurance advice from a qualified adviser supporting clients across New Zealand. Simple, clear guidance with free consultations via Zoom or phone.