GEM Solutions is a Southland owned business, specialising in risk protection planning for individuals and companies.


Our consultation process covers all areas of mitigation planning including identification of potential financial exposure in the event of premature death, permanent disablement, major ill health and temporary disablement. We provide advice on and implement specific risk protection plans for our clients which include:

  • life cover
  • total and permanent disablement cover
  • trauma cover
  • medical cover
  • income protection cover
  • estate protection
  • shareholder protection
  • partnership protection
  • key person protection
  • liability protection
  • mortgage protection
  • acc cover

We are committed to helping our clients make informed decisions regarding their risk protection planning and deal with all aspects of claim management, policy administration and mitigation planning. Our mission is always to provide our clients with the best possible service and we administer annual reviews to keep your policies appropriate to your changing needs.


Meegan Davis

Meegan began her career in the insurance industry in 1992. She formed Gem Solutions Limited in 2008 and joined the Triplejump franchise as the sole consultant in the Southland/Otago area. In March 2016, Gem Solutions Limited became a standalone consultancy.

She specialises in risk management assessment for her clients, presenting them with a plan outlining the available options to meet their specific needs. She is committed to building long-term relationships with her clients and help with their mitigation planning. She has experience working with a wide range of clients, dealing with the personal risk needs of individuals to business owners and those in the rural sector. Since 2013 Meegan has been involved with the Dairy Industry Awards which has led to lots of time chatting across kitchen tables to her dairy clients!

Meegan is married to Roger and lives in Kingston, where they enjoy the lakeside lifestyle with family and friends. She travels to the Invercargill office every week, often stopping in to meet and chat with clients along the way.
027 224 4027

Michelle Smith

Michelle joined Meegan in 2009 and is the General Administrator. She deals with the administration of client’s policies and is the friendly voice on the end of the phone when you call. She is responsible for smoothing out the claims process and for keeping policies up-to-date with annual reviews.

Michelle, her husband Aaron, and their two sons live in Invercargill and keep busy playing sport, and socialising with friends.
03 214 5170

The team