Personal & Family
Protect your income, lifestyle and the people who depend on you.
- Life insurance
- Income & disability protection
- Health insurance
Protection for wherever life takes you.
Life changes. Your family changes. Your business changes. And what you need to protect changes with it.
Carabiner Advice helps you understand what really matters, what could happen if life doesn’t go to plan, and what protection you actually need — so you can get on with living.
The right protection, in the right places.
Good financial advice doesn’t start with an insurance policy.
It starts with understanding you.
We look at your financial position, your lifestyle, your family or business, and what you want to protect. Then we model what would happen financially if the unexpected occurred.
Sometimes that means putting protection in place. Sometimes it means changing the cover you already have. And sometimes the best advice is that you don’t need any more insurance at all.
What matters to you?
Whether you’re protecting yourself, the people you love or the business you’ve built, the starting point is the same: understanding what you actually need.
Business
Protect the people and financial relationships your business depends on.
- Business ownership
- Key person protection
- Business debt
- Owners' income protection
Employee Benefits
Help protect the people who keep your business moving.
Group insurance and employee benefit programmes designed around your people and your business.
Advice first. Insurance second.
We don’t start by asking what policy we can sell you.
We start by asking a more useful question:
What outcome do you want if the unexpected happens?
From there, we look at your financial position, calculate the gap and determine what — if anything — needs protecting.
01
Understand
Your life, family, finances, business and existing protection.
02
Model
What happens financially if your circumstances suddenly change?
03
Advise
Identify the gap and recommend the right way to protect it.
04
Stay connected
Life doesn't stand still. We review your position as your circumstances change.
More insurance isn’t the goal.
Being appropriately protected is.
As your income, assets, debts, family and business change, so does the amount of protection you need.
Over time, you may actually need less insurance — not more.
That’s why Carabiner looks at your whole financial picture and continues to review it with you.
Because the measure of good advice isn’t how much insurance you have. It’s knowing you’re in a good place.
When it matters, we’re there.
Putting a policy in place is only part of our job.
If the unexpected does happen and you need to make a claim, you don’t have to navigate it alone.
We’ll help you through the process, deal with insurers where appropriate and advocate for you when you need it most.
Because that’s when your protection needs to do what it was designed to do.
Meet the team.
Advice built around people, not policies.
We’re here to help you understand what really needs protecting — and give you the confidence that you’ve got the right protection in the right places.
Based in Queenstown and Auckland working with clients throughout New Zealand, our team combines personal advice with the technology to make staying connected easy, wherever you happen to be.
Heath Cleland
Financial Adviser / Director
FSP Number 107311
For over 20 years, Heath has helped individuals, families and business owners understand what they really need to protect - and put the right cover in place for their circumstances.
He believes good advice starts with listening. By taking the time to understand the whole picture, Heath helps clients make informed decisions about what they need, what they don’t, and how their protection should change as life changes.
Building long-term relationships is at the heart of Heath’s approach. He takes pride in providing clear, considered advice and being there for his clients when they need him most.
“For me, it’s about giving clients confidence that they have the right protection in the right places. Sometimes that means putting new cover in place, sometimes changing what they already have - and sometimes it means telling them they don’t need anything more at all.””
Katie Keir
Senior Client Services Manager
Katie brings six years of financial services experience to Carabiner, along with extensive knowledge of the insurance process and a genuine commitment to looking after clients.
Working alongside Heath for a number of years, Katie has become a trusted and familiar point of contact for many of Carabiner's clients. She manages client support across underwriting, policy administration and claims, helping clients navigate the process and making sure things are followed through from start to finish.
Approachable, knowledgeable and always ready to help, Katie takes pride in making things as easy as possible for clients and providing the responsive, personal service that is the essence of Carabiner.
Jenni Cleland
Office & Adviser Support
Jenni brings extensive experience in financial services, client service and senior administration to Carabiner, along with a warm, down-to-earth and empathetic approach.
She plays an important role in delivering the Carabiner client experience, managing client reporting and the administration that keeps the advice process moving smoothly. Organised, capable and highly people-focused, Jenni is committed to making every interaction straightforward, responsive and personal.
She values the strong relationships at the heart of Carabiner and looks forward to building relationships of her own with clients as the business grows.
Protect what matters. Get on with living.
Whether you want to understand your current cover, something in your life has changed, or you simply want to know you’re in a good place, let’s start with a conversation.
Talk to the Team