top of page
Our Family_edited.jpg
Our Family_edited.jpg

Our smiles say so much

Thrilled to learn we were pregnant - just 5 weeks along, capturing the moment .... within 4 short weeks my life would change forever

My purpose 

Gift from Wayne

When I was 9 weeks pregnant, my soulmate Wayne suddenly passed away.  Navigating shock and grief I would also learn that what we had believed were comprehensive insurance policies would not pay - the policy required survival for 14 days after heart failure.  We had no idea there was such a critical gap in our insurance.  Only five months earlier we had purchased our family home, confidently telling the bank we had life insurance in place.  Wayne had been meticulous - everything organized, or so we thought.  He would be devasted to  know I was left navigating both emotional loss and financial survival.

 

This experience changed how I view insurance forever.  It drives me to ensure clients truly understand their risk, options and their policy structure. The difference between protection and financial crisis.

My approach is built on understanding what each client truly needs and explaining the solutions in clear, straight forward language.  I believe in making sure clients understand their coverage and feel supported, from inquiry, through application to ongoing reviews and especially during claims.

 

In my experience many people are unaware of the fine print, exclusions or gaps in their coverage - or they are paying for policies that no longer align with their lives.  My role is to bring clarity to that complexity, ensuring clients understand exactly what they have and feel confident in their protection.  In times of trauma or illness, financial stress should not add to the burden.

Family Motutapu expanded V2.png
20250411_162136.jpg

Financial Adviser  I  Operating under the Financial Advice Provider Insurance Design Life Ltd FSP 1005605
Michelle Andrews is registered on the Financial Services Provider Register, FSP 1011714

021 259 4252

OFFICE
Birkenhead
AUCKLAND

My services and obligations are governed by the Financial Markets Conduct Act 2013 and associated regulations.

A copy of my Disclosure Information is available free of charge and can be provided upon request or accessed 

Complaints are handled in accordance with the complaints process of FAP licence holder, Insurance Design Life Ltd, Details available here

Personal information collected is handled in accordance with the privacy policy of Insurance Design Life Limited.  Details here

Connect with us
How can I best help?

By submitting this form, you consent to being contacted by Michelle Andrews Financial Adviser (FSP No: 1011714) regarding your enquiry.  Your information will be kept confidential and used only for the purpose of responding to your request.

Complimentary, no-obligation review to help you understand your options 

bottom of page