Life Insurance

Keep taking care of your family with life insurance

No-one wants to think about the worst happening, but life insurance makes things a little easier for those you leave behind.

Life insurance is a safety net that protects your family from financial hardship in the event of death or diagnosis of a terminal illness. 

Having an appropriate life insurance policy in place means any debts can be cleared and your family and business obligations can be taken care of. These may include:

  • Covering funeral costs - there is a built-in funeral benefit which pays out immediately
  • Paying bills, credit cards and living expenses
  • Paying off the mortgage
  • Paying for your children’s education
  • Ensuring your partner has sufficient resources for their ongoing living costs and retirement

Premiums can be fixed so they never go up. Your life insurance, or a portion of it, can be structured to provide the security of an ongoing monthly payment rather than a lump sum. In addition, there is a financial planning benefit that can be used to access professional advice at no cost.

Who needs life insurance?

Life insurance is not just for families. It’s also beneficial for young couples, anyone with a mortgage, anyone in business and those in a relationship with significant income disparity.

How much cover do I need?

Daniel will work closely with you to get to know your individual circumstances. He'll consider things such as your age, stage of life (single, married, kids, house, business), level of debt, income and health. He'll then be able to analyse your situation and offer tailored advice with recommendations to suit both your needs and budget.

Daniel Smithwood Titirangi local

At claim time you can leave everything to Daniel

In the event of a death or a terminal diagnosis, get in touch with Daniel as soon as you are able.

Daniel has been involved in a number of death claims and will arrange for a payment of $15,000 to be made within 24 hours. He will liaise directly with the provider to ensure the claims process is managed sensitively and appropriately. 

Ask Daniel about personal insurance

IronOak can also help you with:




When we were looking at life insurance we tried what most people do – working it out for ourselves. We were so confused and going round in circles, so this is when we contacted Daniel. Daniel is friendly and easy to talk to. You can ask him any question and it is all explained in plain English for you. He also made this a very simple and easy thing for us to do. Thanks to Daniel we have ticked this task off our list. We would recommend Daniel at IronOak for anyone looking at life insurance.  -  Phil and Caroline