5-Star Google Reviews

2000+ Clients

$50M+ Funds Under Management

2000+ Clients

Need a new Health Insurance policy?

From 2010 - 2025 personal risk insurance in New Zealand has increased dramatically. Avoid paying too much for Health cover and shop around.

★ ★ ★ ★ ★

"Very helpful team, my advisor was awesome and accommodated mine and my partners needs. Recommended to my friend who also found them great."

Sarah W.

Kiwis often find just one quote and take it, instead of receiving multiple offers and comparing.

Don't Pay Too Much for

Health Insurance

Have confidence that you shopped around.

60-sec form

No obligation

★ ★ ★ ★ ★

"Very helpful team, my advisor was awesome and accommodated mine and my partners needs. Recommended to my friend who also found them great."

Sarah W.

Breaking the Mould in Financial Advice

Invicta Financial was founded by Tom and Lucas with a vision to do things differently.

We wanted to step away from outdated industry traditions and create a financial advisory firm that’s always innovating and never afraid to have fun along the way. Our Goal: To be your go-to for all finance needs with advice that's smart, transparent, and genuinely in your best interests.

Nationwide Expertise, Local Feel – We work with Kiwis everywhere. No matter where you are, you’ll get advice that’s as personal as if we were sitting across the table.

Fresh, Modern, Relevant – We leave the old-school ways behind. Our advice is clear, jargon-free, and tailored to fit your life right now, and where you’re heading.

Fee-Free and Focused on You – You won’t pay us a cent for our advice. Instead, we focus on creating a personalised plan that puts your goals first.

Everything in One Place – Insurance, KiwiSaver, mortgages, we bring it all together so your finances are simple, connected, and easy to manage.

How We Help

Clients' Voices

Testimonials from some of our happy clients.

★ ★ ★ ★ ★

"Thanks so much for taking the time & explaining the ins & outs. Finding me the best product for my situation. Really appreciated it."

Karen W.

★ ★ ★ ★ ★

"Great people and very helpful. Jared went above and beyond for my wife and I, lovely man."

Alex B.

★ ★ ★ ★ ★

"Great experience with my advisor! So easy to work with and took the time to understand me and want I wanted."

Caitlin M.

★ ★ ★ ★ ★

"I want to thank Caleb for his amazing work that he did for my husband and I. I had spent months trying to find the best options for us and had almost given up. I answered a phone call one day from Caleb and in under 1 month he has managed to get us signed up to the best package for us and our life. I am so grateful for all of your work and guidance. Thank you for making everything so easy!"

Kelly H.

★ ★ ★ ★ ★

"Man this guys needs a raise or something, exceptional service, delivery professional and always concerned about my needs and my kids, one thing that stood out he understood the importance of "family"& Future. Sam the MAN! For president! thanks brother!"

Soane P.

★ ★ ★ ★ ★

"Invicta financial provided exceptional service, making insurance easy to understand and tailored to my needs as a young professional. Their team was attentive, proactive, and always available to answer my questions. Thanks to their expertise, I now have comprehensive coverage at an affordable price, giving me peace of mind. Highly recommend!"

Tom F.

Why Invicta Financial?

Frequently Asked Questions

Clear answers to help you make confident financial decisions.

Do I really need Health Insurance?

New Zealand’s public health system is great, but it can mean long wait times for non-urgent care.

Health Insurance can give you faster access to treatment, your choice of specialist, and peace of mind knowing you won’t be hit with unexpected costs.

What does Health Insurance actually cover?

Depending on your policy, Health Insurance can cover hospital treatment, surgery, specialist consultations, diagnostic tests, and sometimes even day-to-day medical costs.

Our partners can help you find a plan that fits your needs and budget.

Is Health Insurance expensive?

It doesn’t have to be.

Premiums depend on things like your age, health, and level of cover, but there are plenty of affordable options.

Our partners will help you compare plans so you only pay for the protection you actually need.

Does Health Insurance cover pre-existing conditions?

It depends on the provider and the condition. Some may apply stand-down periods or exclusions, while others will cover certain conditions after a set time.

Our partners can explain what applies to your situation.

What’s the difference between hospital cover and comprehensive cover?

Hospital cover usually focuses on major treatments and surgeries, while comprehensive plans can also include GP visits, dental, and optical benefits.

Our partners can help you compare both to see what suits you best.

Testimonials

John Doe

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.