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This site mib.kiwi.nz states the following, "Contact me to discuss your insurance options." We noticed that the website also said " Specialising in Life, Health and Personal Insurance, I offer seven years experience in the business and pride myself on my ability to really listen to your needs and concerns and offer you a free, no obligation service." It also stated " What I can do for you. You dont take out life insurance for yourself! You take it out to protect your loved ones. Provides a lump sum if you suffer a major illness or injury that will help with the extra expenses."