The three major risks are premature death, inability to work because of a long-term accident or illness, and the need to find large amounts of cash to fund medical care.
 

                   Did You Know!

Five out of every ten males aged 25 years old are likely to become disabled due to an illness or accident before they turn 65 that will prevent them from working for at least a month
Seven out of every ten females are likely to become disabled due to an illness or accident before they turn 65 that will prevent them from working at least a month.

Of these, nearly a third will still be on claim 12 months later.
Source: Davies Financial & Actuarial Limited

 
Income Protection Insurance
If you are unable to work for 15 hours per week you could be paid 75% of your income*
 
Life Insurance
Provide for your family in the event of your death.
 
Medical Insurance
Does your health insurance cover the cost of non Pharmac approved drugs?*
 
Trauma/Living Insurance
Would you like a lump sum payout if you had a heart attack, cancer or stroke?*
 
What is your most valuable asset?
 
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* terms and conditions will vary with the insurance policy and company chosen and any pre existing medical conditions that you may have.
 

Income Protection Insurance
Why protecting your income is so important

Income Protection Insurance
It is essential that you insure your single largest asset, namely your ability to generate an income. There is a 33% chance that you will be sick or disabled for six months or longer prior to age 60. Four out of five long-term illnesses and disabilities are not covered by ACC. The areas of greatest concern are heart attacks, cancer, strokes, kidney failures, organ transplants, etc.

How can you and your family survive if your income stops for six months or longer?

Picking the right income protection insurance policy is about getting three elements right:
     - the type of policy
     - the definitions used in the policy document including what is a total disability
     - what is a partial disability, the track record of the insurer and finally the premium.

NOTE: Income protection premiums (indemnity) are tax deductible.

Click here to request a quote.  Please complete the information requested.

What is your most valuable asset? 
If someone asked you what your most valuable asset is you 'd probably say it's your house.  But, unless you are retired or close to it, you 're almost certainly wrong.  The biggest asset that you have is your ability to earn an income.  What is your future earning capacity, look at this ...
What is your most important asset
You can protect your income through taking out Income Protection Insurance.  For the above person this could cost as little as $1 per day, and it is tax deductible.
Contact us now to discuss your situation. 

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