Protecting what matters most to Kiwis, since 2016.
About Us
Personalised insurance and mortgage advice to keep your lifestyle on track when life takes an unexpected turn.
Your Trusted Local Experts.
- Our History
- Our Vision
- Our Values
Founded in 2016 by Julie Ithappiri and Vinu Jacob Mani, VJ Associates was built on a foundation of ethical, straight-talking advice. Based in Auckland, we specialise in personal risk insurance and residential mortgages for New Zealanders who want more than just a policy—they want a plan.
With Julie being a 2025 Court of the Table MDRT qualifier, you’re getting the best expertise right here in Aotearoa. We don't just sell insurance; we build long-term relationships based on integrity and clarity.
With Julie being a 2025 Court of the Table MDRT qualifier, you’re getting the best expertise right here in Aotearoa. We don't just sell insurance; we build long-term relationships based on integrity and clarity.
Our mission is simple: to reduce your stress, save you time, and ensure your cover evolves as your life does.
Whether it’s securing Life Insurance to look after your whānau, or setting up Trauma and Income Protection so a health scare doesn’t become a financial one, we’ve got you covered.
From your first home loan to your final premium, we ensure your Total & Permanent Disablement (TPD) and health covers evolve alongside you for the long haul.
Whether it’s securing Life Insurance to look after your whānau, or setting up Trauma and Income Protection so a health scare doesn’t become a financial one, we’ve got you covered.
From your first home loan to your final premium, we ensure your Total & Permanent Disablement (TPD) and health covers evolve alongside you for the long haul.
Integrity – Honest, transparent advice. Client First – Your best interests always come first. Excellence – High professional standards. Trust – Long-term relationships built on reliability. Clarity – Simple, practical financial guidance.
