Thrive Financial

Being self-employed changes the rules: income isn’t just a regular paycheck but often variable and tied to business performance.
Daniel and Dillan explain why protecting your income looks different for business owners, covering things like business-interruption or key-person insurance and contingency plans, especially when employees’ livelihoods depend on the company.

Nobody cancels their cover at 35. They cancel it at 60.

Stepped premiums are priced on your age, so they climb every year. Barely noticed in your thirties. Painful in your sixties, the exact decade you're most likely to claim.

I've got two clients sitting there right now, deciding whether to reduce their trauma cover or drop it.

Level premiums hold the rate at the age you start. Costs more early. Still payable at 60.

Do you know which one you're on?

General information only, not personalised financial advice.

Sometimes we get a little too comfortable with the people we work with... 😂

Clients, colleagues, providers—we genuinely enjoy the relationships we build.

But every now and then, the professional filter has to kick in before you hit send. 😅

Thankfully, Kris caught this one in time.

💚 From Support Team to Financial Adviser.

Anita has been with Thrive for around two and a half years, starting as Pierre’s EA and working on the support side of the business before making the move into advice nine months ago.

But what brought her to Thrive in the first place?

It started with spotting Kris Towgood’s car around Masterton. 🚗 From there, a conversation led to something that immediately stood out: Thrive’s values weren’t just words—they were genuinely lived and breathed in everyday interactions.

For Anita, that was exactly the kind of business she wanted to be part of.

💚 What do you appreciate most about the people around you?

We asked Krista, Sarouen, Warren, Calder, Jae, and Blake, and their answers were a reminder of just how much the people in our lives matter.

Good energy. Genuine advice. Patience. Compassion. Encouragement. Support. And sometimes... just having someone come and visit you when you're alone in the office. 😂

Family, friends, colleagues or clients—we all have people who make life that little bit better.

👇 What do you appreciate most about the people around you?

💚 When the blender lid comes off and life gets messy, the last thing you need is another thing to worry about.

As Ngaire explains, that's when our team gets to work behind the scenes—helping make the process as smooth as possible while you focus on everything else going on in your life.

When things don't go to plan, you don't have to navigate them alone.

Give us a call. We'll help you sort through the mess. 💚

💚 We learn the fine print, so you don’t have to.

As Steve explains, insurance policies don’t stay the same forever. Insurers regularly update their policy wordings, which is why keeping our knowledge current is such an important part of providing good advice.

From Income Protection and Trauma Cover to Life Insurance, we stay across how different policies work so we can recommend the option that best fits your needs.

Because understanding the details is our job—not yours.

Tell us in the comments what you didn’t know about ACC.

ACC is an excellent safety net for New Zealanders, but there’s an important distinction to note. As Daniel and Dillan point out, ACC covers accidents and injuries; if you’re unable to work because of sickness or illness, the support can look very different. That’s why understanding options like income protection and trauma cover is crucial, especially if you’re self-employed.