MEET
With over eight years of dedicated experience in New Zealand’s insurance and financial sector, Athena Hao is the visionary founder of NZ YOUTH Finance & Insurance, specialising in Risk Services. She brings a deep understanding of local market dynamics and a steadfast commitment to client-centric solutions.
Her philosophy, “True protection is built over time,” forms the core value of NZ YOUTH Finance & Insurance. It reflects a belief in fostering long-term relationships and designing risk-focused insurance solutions that evolve alongside clients’ lives, ensuring lasting security and peace of mind.
Under Athena’s leadership, NZ YOUTH Finance & Insurance is dedicated to moving beyond transactional policies, delivering thoughtful, tailored risk protection designed to support individuals and families for the long term.
PROTECT WHAT MATTERS. GROW WITH CONFIDENCE.
LICENSED FINANCIAL ADVISOR. FSP: 1003177
HOW CAN NZ YOUTH FINANCE & INSURANCE HELP YOU?
We specialise in tailored insurance solutions for individuals and families. NZ YOUTH Finance & Insurance works with five trusted insurance providers, allowing us to tailor the right combination of cover for you. We focus on helping you find the right protection at every stage of life. Because what truly matters deserves to be protected, today and for generations to come.
Insurance is not just protection—it is also an investment that can create meaningful change when it’s needed most.
Our Service: Risk Insurance.
Provide financial protection for your loved ones, helping cover living costs, debts, and future needs if you pass away or are diagnosed with a terminal illness.
Give access to private healthcare, help to pay for treatments, surgery, and specialist care, so you can focus on recovery without worrying about medical expenses.
Offer financial support if you are diagnosed with a serious illness or injury, helping cover recovery costs, income loss, and everyday expenses during a challenging time.
Help business owners secure their entire livelihood—ensuring their income, family, and business are protected against the unexpected, safeguarding both their operations and their loved ones.
WHY NZ YOUTH FINANCE & INSURANCE?
As your Broker, we represent your interests—not the insurer’s. Our core service is Risk Services, and our priority is always you, providing ongoing advice and support as your needs evolve.
Not all insurance policies are the same. The industry is filled with complex wording, technical terms, and legal language that can be overwhelming and confusing. With our qualifications and experience, we break it all down into plain, practical language— so you clearly understand your choices and can make confident decisions.
When it comes time to make a claim, that’s when support matters most. We stand alongside you, advocating for your rights and guiding you through the process when you need us.
With thoughtful planning, we help protect your future across your personal life, family needs, and even your business. Simply put, we cut through the complexity and make insurance easy to understand—so you can focus on living your life.
With years of experience in New Zealand’s insurance and finance sector, we hold industry-recognized certifications and are thoroughly familiar with local market regulations and product details. This represents not only professional qualifications, but also the confidence to accurately assess risks and resolve challenges efficiently for you.
Insurance is about serving people. This principle lies at the heart of NZ YOUTH Finance & Insurance. We always prioritize your long-term well-being and strive to become your trusted, lifelong guardian.
No "one-size-fits-all" approach in NZ YOUTH Finance & Insurance. By gaining a deep understanding of your family structure, life stage, and financial goals, we build a protection system that truly aligns with your needs.
We partner with five trusted insurers, enabling us to customise the most suitable combination of cover for your needs.
OUR PARTNERS
CLIENT FEEDBACK
'My advisor didn't rush to sell any product. Instead, she spent nearly two hours deeply understanding my family structure and future plans. She accurately identified coverage gaps I had never realized and presented clear, easy-to-understand plans to compare. Professional and I feel truly respected and protected.'
'When designing my trauma cover five years ago, Athena promised, 'This is not a transaction but a long-term service.' Over the years, she has not only regularly reviewed my policies but also provided full support when my family needed to file a claim last year. Time has proven that I chose not just insurance, but a trustworthy lifelong guardian.'
'I used to be quite resistant to insurance advisors, and intimidated by complex policy terms. But Athena used everyday analogies to explain core coverage clearly. Now I can confidently explain to friends: a great insurance advisor is someone who makes a complicated world simple and trustworthy.'