What lifestyle solutions does

Lifestyle Solutions is a Christchurch-based, privately held insurance advisory firm (Legal entity: Lifestyle Solutions Ltd) operating as a multi-insurer broker rather than a captive agent. The company provides personalised advice and policy placement across five core personal lines — life insurance, trauma/critical illness, health insurance, income protection (capped at 75% of income), and mortgage repayment cover — alongside three business insurance products: key person cover, shareholder protection, and group insurance for employers. Underwriting risk is held entirely by the carrier partners; Lifestyle Solutions does not build or own any proprietary insurance product or technology platform, and the offering is delivered through advisor-led consultations rather than digital self-service.

The firm's go-to-market is advice-led and regional, anchored in Christchurch and Canterbury with reach into broader New Zealand via phone (0800 477 488), online enquiry forms, and in-person consultations. The advisor team comprises founder Richard Sewak (FSP727131, also serving as Director, complaints handler, and privacy officer) and advisor Jose Roy (FSP1003480). Marketing is predominantly organic: a Knowledge Hub blog, YouTube channel, Facebook page, and 300+ five-star Google Reviews act as social proof, with referrals from existing clients cited as a material source of new business.

Revenue is generated entirely through commissions paid by a panel of seven insurance partners — Partners Life, nib, Asteron Life, Fidelity Life, AIA, Chubb, and Southern Cross Health Insurance — on policies placed and renewed. Commission economics are recurring in nature given annual premium renewals. The company claims 20+ years of industry experience and states it has protected 'thousands of families,' though no revenue, headcount, or in-force policy count is disclosed. No external funding, institutional ownership, M&A activity, or app-based distribution has been identified.

Name

lifestyle solutions

Legal name

Lifestyle Solutions Ltd

Website

https://lifestylesolutions.co.nz

Company type

Private

Operating status

Operating

Short description

Lifestyle Solutions is a Christchurch-based insurance advisory broker offering tailored life, health, trauma, income protection, mortgage, and business insurance advice to individuals, families, SMEs, and niche professional segments (medical professionals, tradies) across New Zealand, earning recurring commissions from a seven-carrier partner panel.

Ownership category

akta.pro rank

Headquarters

HQ city

Christchurch

HQ country

New Zealand

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Insurance Brokerage Commissions: Earns commissions from insurance providers (Partners Life, nib, Asteron Life, Fidelity Life, AIA, Chubb, Southern Cross) for placing client policies. Revenue is recurring in nature as policies are maintained and renewed annually.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Lifestyle Solutions is a Christchurch-based insurance advisory broker that provides tailored life, health, trauma, income protection, and mortgage insurance advice for individuals and families, as well as business insurance products (key person cover, shareholder protection, and group schemes) for SMEs. The firm compares options across a panel of New Zealand insurers (Partners Life, nib, Asteron Life, Fidelity Life, AIA, Chubb, Southern Cross) and mediates policy purchase and ongoing reviews.

Product overview

Lifestyle Solutions is a Christchurch-based insurance advisory broker offering tailored insurance products for individuals, families, and businesses. Their product portfolio includes Life Insurance (lump sum death benefit), Trauma Insurance (critical illness payout), Health Insurance (private medical treatment), Income Protection Insurance (monthly income replacement), Mortgage Insurance, and Business Insurance products (Key Person Cover, Shareholder Business Insurance, and Group Insurance). The offering consists of multiple distinct insurance product categories rather than a unified software platform. The core products serve personal protection needs (life, health, trauma, income, mortgage) while business products address commercial risks. All products are sourced through partnerships with major New Zealand insurers including Partners Life, nib, Asteron Life, Fidelity Life, AIA, Chubb, and Southern Cross Health Insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance

Quantifiable outcome

• 300+ 5-star Google Reviews demonstrating customer satisfaction and trust

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core.

• Partners LifecoreChannel Partner/ Reseller/ DistributorPartners Life is a New Zealand licensed life insurer. Lifestyle Solutions offers Partners Life products as part of its panel of insurance providers, providing clients with access to Partners Life's personal and business insurance offerings.
• nibcoreChannel Partner/ Reseller/ Distributornib Group is an Australian health care fund providing health insurance cover to over 1.4 million New Zealand and Australian residents. Offers Life & Living Insurance and Employer Health Insurance products through the Lifestyle Solutions advisory channel.
• Asteron LifecoreChannel Partner/ Reseller/ DistributorAsteron Life, part of the Suncorp Group, offers Income Insurance, Mortgage & Living Insurance, and Cancer Insurance. Lifestyle Solutions places Asteron Life products for clients seeking these covers.
• Fidelity LifecoreChannel Partner/ Reseller/ DistributorFidelity Life is New Zealand's largest locally owned life insurer, founded in 1973. Has paid out over $1.4 billion to New Zealanders and holds an A- (excellent) financial strength rating.
• AIAcoreChannel Partner/ Reseller/ DistributorAIA Group is one of the largest life insurers globally with presence in 18 Asia Pacific markets. Has served New Zealanders since 1981 with over 100 years of history. Offers trauma, disability, and rural insurance tailored for Kiwi lifestyle.
• ChubbcoreChannel Partner/ Reseller/ DistributorChubb (formerly Cigna) has operated in New Zealand for over a century, serving more than 450,000 customers. Products include critical illness insurance, income protection, and business insurance. Lifestyle Solutions offers Chubb products to clients.
• Southern Cross Health InsurancecoreChannel Partner/ Reseller/ DistributorSouthern Cross, founded in 1961, is one of New Zealand's most well-known and trusted health insurance brands, caring for over 1 million Kiwis. Products include health, life, pet, and travel insurance. Lifestyle Solutions distributes Southern Cross health insurance products.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Hub International: Hub International is a major North American insurance brokerage and financial services firm. It is comparable as a scaled insurance intermediary and as a leading indicator of how consolidation is reshaping broker economics globally.
• AA Insurance: AA Insurance is a large NZ direct-distribution insurer; its scale and brand make it a structural competitor to Lifestyle Solutions' intermediated advisory model and a benchmark for direct-to-consumer economics in the NZ market.
• Arthur J. Gallagher: Arthur J. Gallagher is one of the world's largest insurance brokerage and risk advisory firms. It is relevant as a scaled benchmark for intermediated insurance distribution and as a potential acquirer of NZ advisor books of business.
• Marsh: Marsh is a global insurance broker and risk advisor with Australasian operations. It is relevant as a scaled incumbent in intermediated insurance distribution and a structural alternative for SME and personal lines clients.
• Tower Insurance: Tower is a major NZ general and life insurer with direct-to-consumer sales channels that bypass advisors. As Lifestyle Solutions' value proposition depends on intermediation, Tower's direct distribution is a structural alternative competing for the same household insurance budgets.

Direct peers

• Insurance Advisernet: Insurance Advisernet operates a multi-carrier broker and advisor network across Australia and New Zealand. It is comparable to Lifestyle Solutions as a multi-carrier intermediated advisory model serving similar retail and SME clients in the same geographies.
• LifeDirect: LifeDirect is one of New Zealand's largest insurance comparison and brokerage platforms, intermediating life and health insurance directly with consumers. It is a direct competitor to Lifestyle Solutions in the NZ retail advisory channel with a similar multi-carrier placement model.

Others

• Fidelity Life: Fidelity Life is the largest NZ locally-owned life insurer and one of Lifestyle Solutions' panel partners, with its own direct distribution. It is relevant as both a partner enabling the advisory offering and a competing direct channel for the same end customers.
• AIA New Zealand: AIA NZ is one of Lifestyle Solutions' core carrier partners (offering trauma, disability and rural cover through the firm) and also sells direct to consumers. It is relevant as both a channel enabler and a competing distributor in the NZ life insurance market.

Regional players

• PSC Insurance Group: PSC Insurance Group is an Australia-headquartered insurance broker network with Australasian distribution. It is comparable to Lifestyle Solutions as a regional multi-carrier intermediation operator and a relevant consolidator in the Australasian broker market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC1RuVyaXWDV6of1ZhAQ3dPQ
• Facebookfacebook.com/lifestylesolutionsnz
• LinkedInlinkedin.com/company/lifestyle-insurance-solutions-christchurch

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about lifestyle solutions