Zac Clark - Financial Adviser & Insurance Specialist

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Zac Clark - Financial Adviser & Insurance Specialist

Providing detailed life, disability and health insurance plans to protect the ones you care about.

25/11/2025

A couple weeks ago we finished up Professional Pathways with Fidelity Life.
It has been a great 5 months of both personal and professional development.

A standout moment for me were the Micro-business workshop run by Cecilia Farrow, we went through the major risks that small businesses face, and strategies to provide the best advice possible to our business clients protecting them in their business and personal lives alike.

I also really enjoyed the insights shared by Kirsten Leng and the practical tools I can now apply to elevate my business performance and better serve my clients.

Thank you to Fidelity Life for the opportunity to learn from some great people and designing and facilitating a great course.

29/08/2025

This is why I do what I do!
"Although we all hope that we never lose someone close to us, it makes it a lot easier if you have good people in your corner."

08/08/2025

This month, from August 18–31, Partners Life, along with Banqer, is hosting a FREE Money Month Challenge on the Banqer Beyond platform.
You’ll earn, save, invest, and tackle everyday money choices in a virtual financial world — all at your own pace.
As you complete tasks on the platform, you’ll be in to win over $5,000 in prizes!
Get amongst it and register now:
https://buff.ly/PNICqbG

01/08/2025

You're Not Invincible.

Let's be honest, many of us, like myself, have definitely had stages where we think we are invincible.
It's easy to think that we are until something either in our own life or a close friend or relative's life.
That's why it is important to have these conversations and be prepared for when something does eventually happen.
It's all about being prepared for your family, so they don't have to stress about their finances if you do find out you are, in fact, not invincible.

25/07/2025

If you are self-employed, like me, then it's more likely that if you can't work, you won't make any money to support your family or do the things you want to do.

That's why, as self-employed people, business and personal income protection is so important.
We don't have an employer to fall back on with sick leave or annual leave.
If we can't work, we are up a creek without a paddle.

Let's have a chat and discuss getting you that paddle!

18/07/2025

A couple of weeks ago, I shared Fidelity Life's Claim Stats.

This time, I want to share Chubb Life’s 2024 claims stats.
Why?
Because just like Fidelity, Chubb's claim stats speak for themselves: 96% of all claims paid!
It's hard to claim that insurance companies don't pay out!

On a personal note, I've seen firsthand the support Chubb Life provides during claim time after losing a close friend last year. They worked quickly to provide financial support to his family in the hardest time of their lives.

They really do help when it matters most.

11/07/2025

Talking about money, especially budgeting and planning for the unexpected, is something many New Zealanders don't like talking about.

Recently, I’ve had a few conversations with couples and families who’ve never actually sat down to look at their income, spending, or financial goals together.
And yet, this one simple step...creating a clear budget, can make a world of difference.
It promotes healthy financial habits, reduces stress, and lays the foundation for your financial future.

I believe creating and sticking to a budget is one of, if not the most important, financial steps you can take to provide for your future.

If you or someone you know isn’t sure where to begin, message me today. I'm here to support and help guide these conversations.

02/07/2025

Over 3 billion results — but not one of them knows you.
If you search "personal insurance" on Google, you'll find around 3,070,000,000 results. That’s a lot of information.

But here’s the thing, Google can’t listen to your story. It can’t understand your family, your goals, or what matters most to you. It can’t offer tailored advice or adjust your cover when life changes.

That’s where a personal insurance adviser comes in. I help you make sense of the insurance gobbledygook and make sure your cover suits you now and into the future.

Keep it simple, don't just eat up what Google feeds you.
Let me do the hard work for you and get it done right the first time!

25/06/2025

“Don’t insurance companies try to avoid paying claims?”
That’s what a client asked me last week. It’s a common belief.

But here’s the truth: the insurers I work with want to pay valid claims. That’s what they’re here for.

Take Fidelity Life as an example. They’ve just released their claim statistics for the year ending 30 June 2024, and the numbers speak for themselves:
- 93% of all new claims were accepted
- $241.5 million paid out in claims
- 35% of new accepted claims were cancer-related
- $141.7 million went to life and terminal illness claims
- The oldest life claim paid was for someone aged 102
Check out the graphic below for more on Fidelity Life’s claims history.

This is why working with a professional advisor matters.
I help you choose insurers who stand by their promises—not just when you sign up, but when it really counts.

If you want to understand what this means for your own insurance, I’m just a message away.

20/06/2025

"Luck favours the prepared."
– Edna Mode, The Incredibles

I recently rewatched The Incredibles, one of my favourite childhood movies, and this time around, Edna Mode’s words hit differently.

As a self-employed insurance adviser, that quote really stuck with me.

There are times when it feels like "luck" brought in a new client or helped get a deal across the line. But in reality, it's the preparation behind the scenes — learning, planning, showing up consistently — that sets the stage for success.

And isn’t that exactly what insurance is about?

Preparing today so that when life throws a curveball, you’ve already given yourself a fighting chance. A little peace of mind. A little luck, backed by a solid plan.

19/06/2025

"I’m young and healthy — I don’t need insurance."

Someone said this to me recently, and honestly, it’s something I hear a lot.

But here’s the truth. Being young and healthy is actually the BEST time to get cover.
You'll have lower premiums, fewer medical exclusions, and most importantly you're protected before life throws any surprises your way.

Whether you’re in your 20s or your 50s, now’s the right time to make sure you're properly protected.

Send me a message today, let's find the right cover for where you're at.

17/06/2025

Would you still use the same phone plan from 2012?

Probably not — your needs (and the technology) have changed/evolved.

As life evolves — new job, mortgage, marriage, kids, business — your needs change.
Regular insurance reviews make sure your protection keeps pace with your life.

Think of it like a financial WOF — quick, essential, and could save you a world of stress later.

Let’s make sure your insurance still fits your life, message me today!

Address

Hamilton

Website

https://www.protectfinancial.co.nz/zac

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