Personal Insurance

ADVICE THAT ACTUALLY FEELS PERSONAL

PEOPLE FIRST

I take the time to understand your needs, your goals, and what matters most. Every conversation begins with listening so the insurance advice I give is right for you.

SIMPLE AND CLEAR

Personal insurance does not have to be overwhelming. I explain your options in plain language and help you make confident decisions about the cover that fits your life.

LOCAL AND TRUSTED

I’ve spent decades helping people across Hawke’s Bay and New Zealand protect what matters most. Based in Havelock North, I care deeply about the people I work with.

I started MUNY4U Limited because I believe personal insurance should feel human.

After working across financial services, including time as a mortgage adviser, I saw too many people being sold policies they didn’t understand or need.

MUNY4U Limited was created to offer something different. As a trusted insurance provider, I focus on giving clear, independent insurance advice that helps you make informed choices with confidence. It’s not about ticking boxes. It’s about building trust and making sure you feel supported, protected, and genuinely understood.

ROD DALZELL

I’m Rod, the financial adviser you'll be working with. I live in Hawke’s Bay with my wife and dog Hope, and I’ve been helping people with their finances for over 38 years.

I specialise in personal insurance advice that’s practical, easy to understand, and built around what matters most to you. I’ll be the one you talk to from the very beginning. We can grab a coffee at a local cafe, I can come to you, or we can chat online.

I’ll take the time to explain things simply and help you whether you’re exploring your options or getting a policy in place. No pressure, no confusing language, just honest guidance from someone who’s here to help you feel protected and informed.

What I Stand For

When you work with me, here’s what you can expect every time:

  • I’ll take the time to understand your situation and recommend insurance cover that suits your life, not someone else’s.

  • I’ll compare trusted New Zealand insurance providers and do the digging to find what suits you best.

  • There’s no charge for my advice, and no pressure to take out a policy. You’re in control, always.

  • You’ll always know what’s going on. I’ll explain everything, no jargon, no guessing.

  • If something unexpected happens, I’ll be right here to help you make a claim and feel looked after.

WHO I WORK WITH

Over the years, I’ve built strong relationships with insurers across New Zealand I trust. Each one brings something different to the table, which means we can find a solution that fits you.

PROTECT WHAT MATTERS

What I Can Help You With

I offer personal insurance advice across the five main areas to best suit your needs and situation. I’ll walk you through each option, explain how it works, and help you make decisions that feel right.

NOT SURE ABOUT SOMETHING?

Frequently Asked Questions

Our FAQ section covers the most common questions I get asked about personal insurance. From how the process works to what types of cover might suit your situation. It’s a great place to get the ball rolling.