CIC Financial
Gaylene Stear
Insurance advising
Financial certainty in an uncertain world.
I help people create financial certainty when life is uncertain.
Who I help
Families wanting financial security and peace of mind Homeowners looking to protect their mortgage and income Professionals and self-employed people who rely on their ability to earn an income Business owners wanting to safeguard themselves, their families, and their businesses Anyone seeking guidance with life, health, trauma, total and permanent disability (TPD), income protection, or mortgage protection insurance
The problem I solve
I help people avoid financial hardship when life's unexpected events occur. Whether it's a serious illness, injury, loss of income or death, I ensure my clients have the right financial protection in place to support themselves and their loved ones.
My point of difference
My clients have a dedicated adviser who genuinely cares about their outcomes. I provide personalised advice, ongoing support, and claim assistance, ensuring they're not left dealing with insurance companies on their own when they need help most.
My niche market
My niche market is families, professionals, self-employed individuals, and business owners who want to protect their income, lifestyle, and financial future. In particular, I work with people who have mortgages, dependents, or financial commitments that would be impacted if they could no longer earn an income due to illness, injury, disability, or death.
Key benefits
Personalised advice, not a one-size-fits-all solution Insurance made simple and easy to understand Protection tailored to your family, lifestyle, and budget Ongoing support and regular reviews Claims assistance when you need it most Peace of mind that you're financially protected against life's unexpected events
Problems my clients avoid
Being underinsured when they need cover most Paying for unnecessary or unsuitable cover Confusion around insurance products and policy wording Financial hardship following illness, injury, disability, or death Managing claims and insurer processes without professional support Having outdated cover that no longer suits their circumstances
About
Personal Risk Insurance - Life Cover, Trauma, TPD, Income Cover, Mortgage Cover & Health Cover
Products and services
I can advise on the following areas: For individuals, couples & families - Life insurance - help to secure life insurance Income protection - plans to protect your income Health insurance - health insurance plans Trauma/Critical illness - coverage for critical illnesses Total Permanent Disability - insurance to cover permanent disabilities For Businesses - Group Insurance (Employee benefits) - design, implement, & manage group insurance plans for employees. Employee Seminars - insurance seminars for employees
Why I am a member
I joined NZBW to surround myself with inspiring business women, build genuine relationships, and support others on their business journey. I also enjoy being the person people can turn to for insurance advice, because while nobody wakes up excited to talk about life insurance, everyone appreciates having the right cover when life throws a curveball!
An offer for you
NZBW Member Offer: A complimentary insurance review. Think of it as a WOF for your insurance, making sure your cover still matches your lifestyle, family situation, and financial goals. No obligation, no jargon, just practical advice and peace of mind.
Skills
- Health insurance
- Income protection
- Key person & shareholder cover
- Life & trauma cover
Qualifications
NZ Certificate in Financial Services Level 5, Life, Disability & Health InsuranceVerified
Open Polytechnic, 2025
Diploma of Paramedical ScienceVerified
University of Melbourne, 2005
An invitation
I welcome referrals to individuals, families, and business owners who want confidence that their income, mortgage, lifestyle, and loved ones are financially protected. Let's have a conversation about what matters most to you.