MONICO SANTIAGO
MONICO SANTIAGO
Financial Adviser

Monico
Santiago

Securing your future, One smart decision at a time.

Kia Ora! I'm Ico. I know that building a life in a new country takes courage, hard work, and the right support.

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Monico Santiago

Your Trusted
Financial Adviser

Your Trusted
Financial Adviser

With over a decade of experience in the insurance industry in the Philippines and now holding a New Zealand Certificate in Financial Services, I am dedicated to helping Kiwis and migrants alike protect what matters most. I’ve worked with individuals, families and businesses from rural provinces to big cities, and I understand that every culture and every family has a unique story.

I don’t just sell policies, I help you navigate your options. Whether you are a new migrant looking to secure your foothold here, or a Kiwi family planning for the future, I offer straight-talking, compassionate advice on Life, Disability, and Health insurance. Let’s get your future sorted so you can focus on enjoying your life in Aotearoa. I’m here to listen and guide you through every step.

Services

Let's work together to build a custom safety net for your life in Aotearoa. Get the peace of mind you deserve with tailored plans for Life, Disability, and Health Insurance.

Life Insurance

Protecting your Whānau (Family) when it matters most.

Building a new life in New Zealand takes hard work, and you want to make sure that legacy lasts. Life Cover provides a lump-sum payment to your loved ones if you pass away or are diagnosed with a terminal illness. It’s about making sure the mortgage is paid, the kids’ education is sorted, and your family is looked after, even if you aren't there to do it yourself.

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Life Insurance

Trauma Cover

Focus on getting better, not on the bills.

Serious illnesses like cancer, heart attacks, or strokes can happen to anyone, even the fittest among us. Trauma Cover pays you a tax-free lump sum if you get sick with a major condition. You can use it for whatever you need—paying off debt, covering treatment costs, or even flying family over for support—so you can just focus on your recovery.

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Trauma Cover

Total and Permanent Disability (TPD)

A safety net for the unexpected.

If an injury or illness stops you from ever working again, TPD steps in to secure your financial freedom. It provides a lump-sum payment to replace your future income, helping you clear debts and adapt your home or lifestyle. It’s about dignity and independence, ensuring you don’t become a financial burden on those you love.

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Total and Permanent Disability

Income Protection Insurance

Keeping the lights on when you can’t work.

Your ability to earn is your biggest asset, especially when you are establishing yourself in a new country. If you can’t work due to sickness or injury, Income Protection gives you a regular monthly payment (like a salary substitute). It ensures the groceries, rent, and power bills still get paid while you take the time you need to get back on your feet.

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Income Protection

Mortgage Repayment Cover

Saving the family home.

For many of us, the Kiwi dream is owning our own home. This cover is specifically designed to pay your mortgage installments if you can’t work due to illness or injury. It means that no matter what happens to your health, the roof over your head is safe, and your hard-earned investment is protected.

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Mortgage Repayment Cover

Health/Medical Insurance

Skip the waiting lists and get treated faster.

New Zealand’s public health system is great for emergencies, but you can wait a long time for non-urgent surgeries or specialists. Private Health Insurance covers the cost of private hospitals, surgeries, and specialists. It means you get the best care, faster—getting you back to work and back to enjoying life in Aotearoa sooner.

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Health/Medical Insurance

Let's have a talk!

Whether you're new to New Zealand or looking to secure your long-term future here, I offer straightforward, locally certified advice to protect your health, your income, and your family's financial wellbeing.

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