Nitesh Hira · Advice4Life
Personal Insurance Specialist
Serving Kiwi families & business owners
Don’t have insurance? Not sure what cover is right for you?
Or maybe you set something up years ago and now you’re not even sure it would pay out the way you expect. I help everyday Kiwis cut through the jargon so your cover actually matches your real life.
1) Don’t have insurance? Not sure what insurance is right for you?
If you’re starting from scratch and feeling overwhelmed, we’ll simplify it. You’ll walk away knowing what you actually need (and what you don’t).
No cost. No obligation.
2) Not sure if your existing insurance will pay at claim time?
Worried that if you got sick, injured, or if the worst happened, your policy might not pay out? I’ll review what you already have and tell you honestly where you stand.
We’ll check your current cover line by line.
What Our Clients Say
Real feedback from Kiwis who wanted clarity, confidence, and support when it matters most.
Our Partners
We work with leading New Zealand insurers to find options that fit your needs and budget.
Product availability and recommendations will always depend on your situation, needs, and underwriting.
Why Should You Contact Us?
1) Completely Free Consultation with Nitesh
You’ll speak directly with Nitesh Hira – a trusted personal insurance specialist with over 17 years of combined experience across fitness, wellbeing and financial advice. Nitesh takes the time to understand what truly matters to you – your family, your health, your business and your goals.
He will walk you through what types of cover make sense (and which ones don’t), how much you may realistically need, and how different policies are likely to respond at claim time.
2) We’ll Be With You at Claim Time
Insurance only proves its value when something goes wrong. If you ever need to make a claim, we don’t disappear.
We guide you through the paperwork, deal with the insurer on your behalf where appropriate, and help push things forward so you’re not trying to figure it out alone while you’re unwell, injured, or supporting family. Our goal is to make the process as smooth and stress-free as possible.
Advice4Life · Personal insurance advice. This is general information only and does not take into account your objectives, financial situation or needs.
About Nitesh Hira
I’m Nitesh Hira — a Financial Adviser and Personal Risk Specialist with a background that’s a little different from most in the industry.
Before moving into insurance advice, I spent over 17 years in the health and fitness sector, helping people improve their wellbeing, lifestyle, and long-term health. Working closely with individuals and families taught me something important:
life can change quickly — and often without warning.
That understanding naturally led me into the personal insurance space, where for the past 5 years I’ve been helping Kiwis protect their income, health, families, and futures.
Today, I combine my wellbeing background with proven financial and risk advice to make insurance simple, personalised, and genuinely relevant to your life. There’s no jargon and no pressure — just honest guidance, clear explanations, and recommendations tailored to what actually matters to you.
Whether you’re setting up cover for the first time, reviewing old policies, or wanting to make sure your loved ones or business are properly protected, my goal is to give you clarity, confidence, and peace of mind.
And if life ever takes a turn, I’m right there with you at claim time, helping you navigate the process so you’re supported when it matters most.
Your goals, your family, your future — protected with care and expertise.
