Personal insurance
Protect the people and commitments that depend on you.
Explore life, health, trauma, income, mortgage and travel insurance topics in plain language.
Illustrative scene. The people shown are not Gold Star clients or advisers.
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Family and income
Illustrative scene. The people shown are not Gold Star clients or advisers.
Insurance advice, person to person
Protect the life you are building.
Clear personal and business insurance advice, grounded in the people, work and commitments that matter to you.
A human conversation
Good advice starts with real life.
The useful questions begin with who relies on you, what cannot stop, and where a financial interruption would be felt first. Cover comes later.
Life and business moments
Where protection questions become real.
These are illustrative situations, not customer cases, recommendations or promised outcomes. They show the kinds of changes that may make a review worth discussing.
Personal life
A family begins to depend on your income
A new partner, child or dependant can change who carries the household's financial responsibilities.
Personal life
A home loan changes the commitments each month
Buying a home can make it useful to review debt, household costs and what could happen if work stops.
Personal life
Health or work changes interrupt earning
Illness, injury or a change in occupation can alter income, expenses and the terms that need attention.
Business continuity
A business depends heavily on one or two people
When knowledge, customer relationships or daily decisions sit with a few people, absence can become a continuity question.
Business continuity
Ownership, debt or business value changes
New borrowing, a new shareholder or business growth can change the financial consequences of losing an owner or key contributor.
Business continuity
Existing cover no longer matches today's reality
A policy arranged years ago may need a careful review after major changes in people, work, debt or ownership.
Personal and business
Start with what matters now.
Explore the questions behind personal and business insurance before discussing any specific product, provider or recommendation.
Business insurance
Understand the assets, income, liabilities and vehicles your business relies on.
Explore Material Damage (Business assets insurance), Business Interruption, Liability and Commercial Motor in detail.
Clear steps. You decide.
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Understand
A plain-language conversation about your situation before anything is recommended.
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Compare
Options are laid out side by side, with scope and costs explained in writing.
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Decide
You decide in your own time. Nothing proceeds without your instruction.
Talk through what matters with James.
Email or phone is the most direct way to explain what matters and what you want to understand.
Adviser and regulatory record
The relationship, on the record.
James Li is registered as Jian Li. He provides financial advice on behalf of Wealthpoint Limited, not under a licence held by Gold Star.
- Legal entity
- GOLD STAR INSURANCE SERVICES LIMITED
- Company number
- 8687486
- NZBN
- 9429051229597
- Financial Adviser registration
- FSP90281 (Jian Li)
- Advice provided on behalf of
- Wealthpoint Limited (FSP678011)