At IFO Peace of Mind Advice, our mission is to provide financial advice that delivers peace of mind. As trusted insurance brokers, we’re committed to offering independent, compassionate guidance that protects what matters most – your whānau, your future, and your wellbeing. That’s why we’re excited about the Partners Life Journey Plan, announced at the Partners Life Roadshow 2025, a groundbreaking solution designed to evolve with your life’s changing needs, available from 27 October 2025.
A Plan Built for Real Life
Life is ever-changing, and your insurance should be too. The Journey Plan reflects our core values of clarity, empathy, and personalisation by offering flexible, client-first coverage. Whether you’re starting a whānau, growing a business, or planning for retirement, this plan adapts to your unique circumstances, ensuring you have the protection you need without complexity or confusion.
Key Features of the Journey Plan
The Journey Plan is designed with simplicity and flexibility at its core, making it easier for you to secure coverage that aligns with your goals. Here’s what makes it stand out:
- Optional Benefits for Customisation: Choose from a range of benefits tailored to your priorities, including Private Medical Cover, Trauma Cover, Mortgage Repayment Cover, Household Expenses Cover, and Income Covers.
- Standalone Specific Injury Cover: A targeted option for those seeking focused protection without bundled policies.
- Multi-Benefit Discount: Replacing the previous loyalty discount, this new structure rewards clients who select multiple qualifying covers, enhancing affordability.
- Simplified Policy Wordings: Clear, jargon-free terms improve understanding and streamline the claims process, aligning with our commitment to clarity.
Who Can Benefit?
The Journey Plan is designed to meet clients where they are in life:
- New Clients: Ideal for individuals seeking comprehensive, customisable protection from the outset.
- Existing Policyholders: Those with a Partners Protection Plan or Business Protection Plan can request a transfer to the Journey Plan. Our Peace of mind advice Insurance Brokers are here to guide you through the process.
Life Journey Plan in Action
Meet Sarah, a 38-year-old full-time nurse and mother of two young children. As a busy working parent with a recent mortgage and a partner who works part-time.
Why Sarah Chooses the Journey Plan
Sarah’s life as a nurse and parent is full of responsibilities – long shifts, school runs, and mortgage payments. She needs insurance that evolves with her whānau’s needs, is affordable, and is easy to understand. Here’s why the Journey Plan meets her needs:
- Customisable Benefits for Family Priorities: Sarah wants to ensure her children have access to prompt healthcare and that her income is protected if she’s unable to work due to illness or injury. She selects Private Medical Cover, which provides faster access to specialists and treatments for her kids, reducing stress during medical emergencies. She also chooses Income Cover, ensuring her family’s financial stability if her nursing income is disrupted. These optional benefits allow Sarah to tailor her plan to her whānau’s specific needs, reflecting the Journey Plan’s flexibility for parents navigating life’s demands.
- Standalone Specific Injury Cover for Work Risks: As a nurse, Sarah is constantly on her feet, lifting patients and managing high-pressure situations, which exposes her to risks like sprains or back injuries. The Standalone Specific Injury Cover offers targeted protection for such injuries, paying out for specific conditions without requiring a bundled policy. This gives Sarah peace of mind that a workplace injury won’t derail her family’s finances, especially since it’s designed to be straightforward and focused.
- Multi-Benefit Discount for Affordability: With a mortgage and rising living costs, Sarah needs cost-effective coverage. By adding Mortgage Repayment Cover to protect her home loan payments and Household Expenses Cover to manage daily costs like groceries and bills during tough times, she qualifies for the Journey Plan’s multi-benefit discount (up to 15% on eligible premiums). This replaces the old loyalty discount, offering immediate savings for combining multiple covers, making comprehensive protection more affordable for her whānau.
- Adaptability for Life’s Changes: Sarah knows her family’s needs will evolve – her kids will grow, her partner may return to full-time work, or they might face unexpected health challenges. The Journey Plan’s flexible structure allows her to adjust her coverage as these changes occur, whether she’s adding benefits or modifying existing ones. This adaptability ensures her insurance remains relevant through every stage of her whānau’s life, from school years to teenage milestones and beyond.
Support for Parents
Whether Sarah is a new client or transferring from an existing Partners Protection Plan or Business Protection Plan, our brokers make the process effortless. For existing policyholders, the FAQ confirms that transfers to the Journey Plan require no underwriting for like-for-like or reduced cover, only for new or increased portions.
Whānau-First Protection
The Journey Plan empowers Sarah to protect what matters most – her children’s health, her family’s home, and their financial security. As whānau-driven advisers, we’re proud to partner with Partners Life to deliver this innovative, client-first solution to Kiwi parents across Aotearoa. Our commitment to integrity and accountability means we’ll work closely with Sarah to ensure her coverage reflects her life today and adapts to tomorrow’s needs.
Get Started Today
If you’re a parent like Sarah, seeking flexible, affordable insurance that brings peace of mind, contact IFO Peace of Mind Advice. Let us help you tailor a Journey Plan to protect your whānau, with the clarity and care you deserve.