A free 15-min intro chat by phone or video. Anywhere in New Zealand.
Answer a few quick questions, then pick a time for your free 15-min intro chat with Lou.
15 minutes, by phone or video, at a time you pick.
With Lou herself, not a call centre.
A chat about where you’re at. You decide what happens next.
What people say about Lou.
From Google, where The Insurance Team has 137 five star reviews.
★★★★★5.0 from 137 Google reviews
★★★★★
We’re busy running a business and insurance is the last thing we have time for, but it has to be in place. Louise and her team have been fantastic. She walks you through everything step by step, advises on what’s right for your business without pushing things you don’t need, and is always available for questions without making you feel silly.
NNathan HawkinsGoogle review
★★★★★
Lou is an amazing Advisor, she gets that life happens and is able to explain the complex insurance world in everyday language and she makes sure to understand what matters to you most, so you get the right coverage in place! Don’t hesitate in reaching out to her, no question is a dumb question! Thanks for all the work you’ve done for us Lou, personal and business...we appreciate it
LLorretta KahuiGoogle review
★★★★★
She made the entire process of getting cover simple, clear, and stress-free. Louise answered all my questions promptly and guided me through the options with patience and care. I truly felt like I was in good hands.
TTrevina CGoogle review
How it works.
Two minutes of questions, then 15 minutes with Lou.
1
Answer a few quick questions.
Takes about two minutes, so Lou knows how the business is set up.
2
Pick a time for a 15-min chat.
Phone or video. Bring your business partner if you like.
3
You’ll know what’s worth sorting.
If it makes sense to go further, Lou books a proper meeting. If not, you’re no worse off.
Sound familiar?
If one of these is you, the chat is worth 15 minutes.
You’ve never talked about it.
What happens to the business if one of you can’t carry on.
Their half could pass to someone else.
A spouse or family who never planned to be in business with you.
You’d need money to buy them out.
And most businesses don’t have that sitting in the bank.
The bank wants its money either way.
Loans and leases don’t pause while you sort it out.
Why Lou.
Insurance should make life easier, not harder.
Lou runs The Insurance Team from Napier and works with people right across New Zealand by phone and video.
Not tied to one insurer.
Lou compares cover across a range of providers, including AIA, Partners Life, Fidelity Life, Asteron, Chubb, Momentum Life and Southern Cross.
Plain English.
Ask the questions you think are silly. Lou would rather you ask.
Here at claim time.
If something happens, you call Lou, not a call centre.
Who you’ll talk to.
Hi, I’m Lou.
Louise Grinstead Insurance adviser and owner, The Insurance Team NZ
Nosy, quick, and on the end of the phone.
Fair questions.
The ones people ask before they book.
Who will I talk to?
Lou Grinstead, who owns The Insurance Team. She runs her own business too.
Should my business partner be on the chat?
If you can, yes. It’s a conversation that works best with both of you.
How long does it take?
About 15 minutes. If it makes sense to go further, you’ll book a proper meeting at another time.
Do I have to be in Hawke’s Bay?
No. Lou works with people right across New Zealand by phone and video.
Do we need a shareholders' agreement first?
No. Lou can talk you through how cover and your agreement work together, and point you to a lawyer for the legal side.
What happens after the chat?
If it makes sense to keep going, Lou books a longer meeting to look at the business properly. If not, that’s fine too.
How does Lou get paid?
If you take out a policy Lou recommends, the insurer pays The Insurance Team a commission. The premium is separate, and Lou will explain how it all works before you decide anything.
The full detail, including when a fee can apply, is in our disclosure.
Ready when you are.
Fifteen minutes, before you need it.
Answer a few quick questions and pick a time for Lou to call.
