Ray Sheath - Insurance Specialist

Waikato, Franklin, Te Kauwhata, Bay of Plenty, King Country, Taranaki

0274 98 66 99
07 282 0791

Ray is one of those people you can instantly relate to, and you will find he is an extremely motivated person who has vast and diverse life experience to draw from. Twenty two years of front-line service in the NZ Police rising to rank of Sergeant, and two Queens Commendations for bravery can certainly attest to this! Having worked in Auckland, Waikato, Kapiti-Mana and Rodney districts he relates extremely well.

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Seeking further opportunities for personal development outside the Police, Ray started with his first retail business in Whangaparaoa, and quickly expanded with further stores in Avondale, Botany and Greenlane.

The often difficult situations he has been in have given Ray the insight and sensitivity to ask the difficult questions when needed resulting in a thorough fact find and needs analysis to assess even the most complex personal or business situation. Ray's clients have a high level of satisfaction with the customised solutions to meet their needs.

Interested in saving money on your ACC Levies... ask Ray to provide a detailed report on ACC LEVY restructuring. He can advise on ways of spreading the risk across multiple areas, sometimes saving many thousands of dollars!

Ray is a member of KEPA - New Zealand's largest group of Insurance Advisors. He was successful in winning a spot on the 2014 Elite Advisors Conference for the top 10 advisors in New Zealand. The Kepa group is 730 strong!

With the Essential Insurances brand he won the 2012 Newpark Financial Services award of ‘’High Flyer’’ for the largest business growth in the group. He also achieved the Top Advisor’s conference for 3 successive years.

Ray also achieved the very high achievement of being a Westpac Business of the Year Finalist in 2012!

Ray's belief that ‘’Trust, Integrity and Transparency is paramount, and has been instrumental in Essential Insurances making the coveted Finalists list for the 2012 Westpac Business of the Year awards.

Married to Rhonda, they have 3 children who are extremely competitive cyclists that have all represented New Zealand across the Road, Track and BMX disciplines. A UCI level 1&2 Road and Track coach, Ray loves helping athletes achieve their potential and this passion forms the foundation of what he can do for you. To date he has successfully coached 47 National Champions across the 3 disciplines.


Leon Heikell - Insurance Specialist

Counties Manakau, Franklin, Te Kauwhata

0272 247 334
07 282 0791

A registered Insurance Advisor, I am also trained and approved by New Zealand's Finest to conduct business using their inCoach Advisor solution. I have often been described as a highly motivated individual, and can draw from vast and diverse life experience to gain insight into the diverse needs of my clients.

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My many years within the Insurance Industry started in 1981 working for the AMP Society where I spent 17 years working my way through many Management roles. These range from Life and Superannuation departments through to Fire & General Management, eventually rounding out his Career with AMP as a Life Agent with-in the Bay Of Plenty Region.

Family ties in Auckland were the catalyst for a move. My business experience as owner of a very successful Network sales organization, proved very useful in a career change into the IT Industry for a period of 6 years. However, my passion for the Insurance Industry eventually connected me with Ray Sheath.

Myself and the team from Farm Insure live life and conduct Business with the Philosophy that total trust can only be earned through Trust, Integrity and Transparency.


Julie Stone - Personal Assistant (Ray Sheath)

09 282 3959



Julie's first contact with Essential Insurances was as a client of Ray in 2011. Julie then started as an Insurance Adviser based on trust, honesty and transparency. Julie completed the Partners Life comprehensive training course in 2012 with excellent pass marks!

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A position became available as Personal Assistant to Ray in 2013, which Julie successfully was appointed. With her past experience as an adviser and experience within the professional medical industry, she is a very important member of the administration team.

Julie has excellent communication skills and has successfully assisted clients with their claims, as well as experiencing the claims procedure on a personal level. She prides herself with getting things right the first time!


Rhonda Sheath - Office Manager

07 282 0791



Rhonda has been Office Manager for Farm Insure and the parent company Essential Insurances for 3 1/2 years. Rhonda also is the Personal Assistant to Leon Heikell.

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Having also successfully completed the 12 day Partners Life Insurance Course in 2012, Rhonda has very good product knowledge. Rhonda has experienced first-hand how claims process works in 2013 after undergoing surgery under her own private medical cover. Rhonda understands how complex these can be, and is ready to assist our clients with all their insurance claims.