Welcome To Premium/Advantage

Premium/Advantage founder David Chakravarty is an experienced and successful risk insurance adviser. He has a proven track record of providing quality advice and service.David has been employed by couple of major New Zealand insurance companies and a major bank in New Zealand where he was providing risk advice to their clients.He has an in-depth knowledge of the industry which enables him to provide his clients the best advice and service.David likes to do the right thing for his clients and his main goal is to help the client get good, honest and unbiased advice.Our team of advisors are both experienced and qualified to advise on what the best plan is for their clients.Premium/Advantage systems and processes all exceed the required compliance standards for risk advisers in New Zealand.

Case Studies

Insurance Case Studies that illustrates the need and importance for Life, Health, Income Protection and Trauma Insurance.

Calculators

Simple mortgage calculator that depicts figures and graphs.

FYI

Simple explanation about certain insurance products and what it actually means to you.

FAQs

Frequently Asked Questions by our clients and the answers that gives you peace of mind.

We offer expert advice

Services for Individuals and Families

  • Life Insurance
  • Debt Protection
  • Trauma Cover
  • Total Disablement Cover
  • Health/Medical Cover
  • Mortgage Protection Cover
  • Income Protection
  • Redundancy Cover
  • Household Expense Cover

Services for Business

  • Business Insurance – Key Person Cover   
  • Group Life Cover  
  • Group Trauma Cover
  • Group Total Disablement Cover
  • Shareholder’s Protection Cover (Buy/Sell Agreement)
  • Group Medical Cover
  • Group Income Protection Cover
  • Reducing ACC Levies (Only for Self Employed People)
Our Partners
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We can provide you an indicative quote just to give you an idea about the costs.