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For individuals & families:

“We make personal finance easy for you, working within your budget”

If you’re looking to help your team

“We Partner with business to provide productivity gains via financial wellness solutions”

I DON'T NEED LIFE INSURANCE

Maybe, but just in case, get your FREE quote today

Why We're different

Educate

We will give you information to help you make the right choices for your family.

Guide

We guide through your personalised plan. We match your circumstance with your budget

Review

Life moves too quickly, let us walk through change together.

Claim help

When you need us most, we will be there help.

NZ Independent Iife Insurance

Dom's Background

CAN I MAKE IT SIMPLE & EASY FOR YOU?

In 2000 I was in a tough spot in Melbourne. Having immigrated from the UK, I was feeling lost and my confidence was low. I was 26, living in a one-bed flat with nothing to my name. At that point I decided that it all had to change, and I thought having a business was a good place to start. The major problem – I knew nothing about business or finance! At best, I had some low-level management leadership skills. That was it.
Over the next year, I joined a sales company, met the woman I was going to marry and discovered a book called Cashflow Quadrant by Robert Kiyosaki which helped me understand basic wealth creation. I decided to learn what I could about this thing called ‘business’ and more importantly, this stuff called ‘finance’.

As mortgage brokers in Melbourne, Catherine & I helped clients with mortgage repayment insurance and disability insurance. I was taught one thing that stuck in my head – personal insurance is the foundation for personal wealth creation.

If you cannot protect what you currently have, how can you grow for the future?

Life insurance, trauma cover, total and permanent disability insurance (also known as TPD) and even health and medical insurance all serve to protect your income and debt. If you are unable to work due to accident or illness for a long period (even for a few months), that can have severe effects on household cash. If you cannot pay debts, then you can end up in a very tough spot when the bank (and others) come knocking for loan repayments.

Over the following 2 decades I dedicated myself to learning, business, finance and of course, insurance. In 2014, I graduated with an MBA from Massey University focusing on financial risk management. I have worked for a whole range of different companies and met a very wide range of people.

How does this help you?  

I have many years’ experience guiding people through different processes and I have become skilled at making complex ideas easy to understand. We can give you truly independent advice. 

We have a range of providers that we use to get you the best options. This also means that we can get you the best price for your life insurance.
This is how I help you. Let me make things simpler for you. This is what I am doing now, with Bolster Risk Management.

Friendly Insurance Advice - Bolster Risk Management

Cat's Background

passionate about providing excellent service to clients

Catherine Bish joined Bolster Risk Management part-time in June 2020, returning to an industry in which she has two years prior experience.  She has a diverse background in architecture (in which she still works part-time), research, account management and teaching in New Zealand, Australia, Japan and Thailand.

Catherine’s strengths are her willingness to question providers and research diverse options fast to come up with the best result for clients. One size does not fit all, nor will “one size” fit for a lifetime. She is passionate about staying in touch and looking after clients through good times and bad.

In her spare time, Catherine is a dedicated member of a local karate dojo with her and Dom’s two young sons. She also enjoys making things, and just about anything that involves being outdoors.

Retirement Savings | Life insurance | Personal wealth advice

Carolyn's Background

highly skilled and experienced

Carolyn has been helping the clients of financial advisers for many years. She is highly skilled and experienced with managing the office, ensuring that applications and claims are processed efficiently. Carolyn is an asset for Bolster Risk Management with her dedication to the business and our clients.

Bolster Risk Management

Ben's Background

MOtivated to build relationships

Ben Fraser is a Financial Advisor who joined The Bolster Risk Management team at the end of 2020 after a successful 16 year career in the FMCG industry.

Ben was motivated to become part of the Personal Insurance sector after he witnessed first-hand the necessity of it, when a huge burden was lifted off a loved one in their time of need through having adequate cover. He was attracted to a role within a firm that shared his values where he could be of service and really help people.

Ben is aspiring to help create a new generation of Financial Advisors, who put people over profit, who listen to their clients, to understand their unique circumstances and provide peace of mind. 

Ben builds long-term relationships with his clients and will be on hand from first meeting right through to making a claim.

His other passions include spending time with family, watching sport, drinking coffee (lots of coffee) and he is a budding amateur Triathlete.

Ben looks forward to hearing from you. 

PURPOSE OF BOLSTER Risk Management

Bolster Risk Management is a registered financial services provider (FSP 731572). We are registered with a number of the top life & health insurance and Kiwisaver providers in New Zealand and are kept up-to-date by all. As such, we are able to provide current information and comparisons on insurance and investment products and pricing in order to find the best possible fit for our clients, based on their personal circumstances and budgets. We choose to be registered with the providers who offer the best products and have the best track records on making pay outs to clients when they make claims. 

Bolster Risk Management works for you. Using an independent platform (Quotemonster) we have the ability to find you the best cover at the best price specific to your circumstances.

It is important to make life insurance, KiwiSaver, retirement planning and wealth creation easy for people to understand. The driving theme for Bolster Risk Management is to give as much information as possible, as simply as possible, across as many mediums and platforms as possible. You will find us on Facebook, Instagram, LinkedIn and Twitter. You can listen to Podcasts, watch videos or read articles. 

We believe that understanding money matters. It matters to you, to your family and to those around who depend upon you. 

Our aim is to help you understand more about your personal financial situation. The result, you will get further along your journey to financial security and beyond, if you wish.

Frequently Asked Questions

Financial advisers do your research for you. That is the point. If a Registered Financial Adviser can only research one or two companies on your behalf, they probably don’t have your best interests at heart.

We use an independent platform called Quotemonster™ to ensure that we can provide balanced and fair insurance advice every time. Whether you currently have insurance and just want a review, we’ll use the same framework.

If you want to know about KiwiSaver or simple managed funds, we can help with that too. We can provide Class Advice. This simply means we show you how people in similar situations to you (with similar investment risk profiles) might choose a KiwiSaver provider or portfolio allocation.

As Financial Advisers, we get paid a commission from the insurance or KiwiSaver provider. This means that you don’t have to pay directly for our advice. 

The fees we get for KiwiSaver are typically an upfront sum, with a monthly commission paid.

The commission from the insurance companies is typically an upfront sum with a monthly commission paid after the first two years.

We are registered with the Financial Market Authority (FMA), qualified and continually training. It is part of our obligation as insurance brokers to be training and learning throughout each year. For you, this means that we stay current so that our discussions with you are up-to-date and relevent.

List of providers

Service Provider Brief Description Financial Strength Rating
Fidelity Life
New Zealand owned and operated, NZ Super is a strategic investor
(A-, A.M. Best)
Asteron Life
Part of the Suncorp group, one of the largest insurers in Australasia
(A+ Standard & Poor’s)
AIA Life
AIA is the largest independent publicly listed pan-Asian life insurance group
(AA, Standard & Poor’s)
Partners Life
A New Zealand company with Blackstone as a strategic investor
(A-, A.M. Best)
Nib Health
A solid performer in New Zealand’s private medical insurance
(A-, A.M. Best)
Cigna Life Insurance
Cigna New Zealand is part of Cigna Corporation, a Fortune 500 company
(A, A.M. Best)
NZ Funds
NZ Funds is a privately owned wealth management firm founded in 1988.
Simple Wills
A simple approach to getting your personal will sorted

Check out our blog posts

How women manage money
Financial Wellness
Dom Bish

Women and Money

There is no denying that there are clear discriminations when it comes to women and money and I will discuss these. I actively want to encourage women to have agency over their financial affairs. Read on, let’s see how I do.

Read More »
Income Protection
Life Insurance
Dom Bish

Income Protection Made Easy

I was going to call this article “IP for Dummies”, but figured there might be some trademark issues. It is not something we often think about, but what would you do if you became sick and were unable to work?

Read More »
What is inflation?
Financial Wellness
Dom Bish

Inflation, Savings and Life Insurance

We often hear the words ‘rising inflation’ and ‘rising interest rates’ but do we really understand these terms and the impacts they can have on us financially? What is inflation anyway and what does it have to do with the price of fish or the price of tomatoes which has received a lot of media attention lately?

Read More »
Retirement Savings | Life insurance | Personal wealth advice
Financial Wellness
Dom Bish

KiwiSaver Confusion

Are you paying into KiwiSaver but are uncertain about how it actually works? We have all heard about KiwiSaver and despite having over 3 million members it would appear that confusion and lack of understanding of how it works is the most common talking point.

Read More »
Basic Personal Money Management
Financial Wellness
Dom Bish

The 5 Pillars of Personal Finance

Are you using tomorrow’s money today? What happens when tomorrow comes along? Are you spending more than you earn? What if your income stops? If you are spending money today that was meant for tomorrow, then you have a problem. You will at some stage need to catch up. Are you getting the right information?

Read More »

Link of blog topics & links

Lisen to our podcast

Our podcasts have a range of topics including insurance and other aspects of money matters.

You can find it here or on your favourite Podcast player.

We live and work in Auckland, but service all of New Zealand.
Many of our clients prefer us to hold our meetings with video-calls.
Let us know if this is your preference too.

Join the tribe on Facebook

Dominic Bish

Wait, before you go.

We want to hear from you.

It can be difficult for people to give feedback or to make comments on the sites they land on.

This is your opportunity to tell us your concerns with life insurance, risk management and finance.

what is your burning question?