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Professional Summary

Matt Bowden is a personal and business risk insurance adviser at Threefold with 26 years of financial services experience, including 14 years working directly as an insurance adviser. He specialises in personal risk insurance, business owner protection, and group health schemes, with particular strength in advising high-net-worth individuals and clients with complex insurance requirements.

Matt’s depth of experience means he brings a level of technical knowledge and market understanding to client conversations that most advisers cannot match. He is skilled at identifying gaps in existing cover, navigating underwriting challenges, and advocating directly with insurers on behalf of clients.

His clients consistently describe an adviser who takes the time to educate them, helping them understand their options and make genuinely informed decisions about their cover. He makes insurance feel manageable rather than overwhelming, builds long-term relationships, and is trusted completely to act in their best interests.

Areas of Specialisation

Matt advises clients on the full range of personal risk insurance products, including medical insurance, life cover, trauma insurance, total and permanent disability cover, and income and mortgage protection. That depth of experience means he knows exactly what policies should and should not include, and he is willing to advocate directly with insurers to challenge exclusions and secure the best possible terms on a client’s behalf.

For business owners, Matt provides advice on the insurance structures that protect a business against the loss of a key person or the departure of a shareholder. This includes shareholder protection insurance, key person insurance, and debt protection cover, arrangements that are often under-prioritised but that can be decisive for business continuity. His strong track record advising high-net-worth clients means Matt understands how these products interact with complex ownership structures and business valuations, and ensures cover is correctly structured from the outset.

Matt advises employers on group health insurance, helping businesses of varying sizes structure schemes that provide meaningful benefits within a practical budget. His experience with high-net-worth and business owner clients means he is equally at ease advising smaller firms setting up their first scheme and larger businesses reviewing or expanding existing arrangements. He supports employers through setup, ongoing management, and annual reviews.

With 26 years of industry experience, Matt is well placed to advise clients with more sophisticated insurance needs, including high-net-worth individuals and those whose requirements span multiple policies or involve significant sums insured. He understands the nuances of underwriting at this level and is experienced in structuring cover that provides genuine, comprehensive protection.

Experience and Background

Matt brings a depth and breadth of experience to his client relationships. His years working directly as an insurance adviser gave him a thorough grounding in the product landscape, underwriting environments, and insurer relationships that continue to benefit his clients today.

His experience with high-net-worth individuals and complex policies sets him apart from advisers earlier in their careers. He understands how to structure large or layered insurance arrangements and how to navigate the claims process on behalf of clients when they need it most.

Matt is known for building lasting client relationships, with many clients returning to him year after year to review and maintain their cover as their lives and circumstances evolve.

Who Matt Works Best With

Matt is well suited to working with:

  • Individuals and families reviewing their personal insurance to ensure cover reflects their current life stage
  • Clients with high cover requirements who need an experienced underwriting advocate
  • High-net-worth individuals seeking comprehensive, well-structured personal risk cover
  • Business owners requiring shareholder protection, key person or debt protection insurance
  • Employers looking to establish or review group health schemes
  • Clients who want an adviser with the experience and tenacity to fight for the best outcome on their behalf

Advice is tailored to each client’s individual circumstances, financial position and risk profile.

Regulatory Status

\Matt Bowden is a financial adviser operating under FSP1004005. Financial advice is provided in accordance with New Zealand financial services regulation and professional standards.

Penelope Joyce
June 3, 2025
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