Your world protected by SHEKET

Insurances and services

we offer to fit your needs

Life covers

Health and Private Medical

Trauma covers

Monthly Disability covers

KiwiSaver

Total and Permanent Disability (TPD)

Business Cover

Key Person covers

ACC for self-employed

We are partnered with

I’m a risk financial adviser because I’ve seen how often people put this part of life off. It’s not exciting, it can feel uncomfortable, and it’s easy to think, “I’ll sort it later.” But later can turn into too late, and that’s when stress and cost hit hardest. My job is to help you plan ahead in a way that feels manageable and makes sense for your real life, not a textbook version of it.

When we work together, you can expect a professional process that is still personal. We’ll talk through what you want to protect, what you can afford, and what would genuinely help if you couldn’t work, got seriously unwell, or something unexpected happened. Then I’ll help you put a plan in place that’s simple to understand, fits your budget and can adapt as your life changes. I’ll also be there to guide you through the claims process if you ever need to use your policy.

You don’t need to know where to start. You just need to start. I’ll guide you through it, step by step, so you can move forward with confidence and focus on living your life, knowing you’ve planned for the hard stuff.

As for myself, I’m married to a chef, a proud dad to three girls, and a business owner. I worked across a few different industries here in New Zealand and alongside, involved in a management level of an international enterprise. In my free time, I volunteer in a few non-for-profit organisations, supporting them with finance, governance, and practical decision-making. That experience shapes how I advise: clear, organised, and focused on what actually matters when life gets messy.

Moshe Malal

Moshe,
your Risk, Life and Health professional

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