If you are like most people, your lifestyle will be dependant upon your income. Your income is dependant on your ability to work. It is your health that allows you to work.
Your health and your ability to work is your greatest asset - For example, the ability to earn an income of $50,000 per annum over the next 30 years is a $1,500,000 asset today.
Rely on sick leave
But how long does this last and what if you have just changed jobs?
Rely on ACC
But they don't cover illness and how long will they pay for?
Rely on your partner to work
Can your partner be a nurse, run the household, be a parent and earn two incomes?
Sell assets
Really? Sell your house and other hard earned assets? How long would the money last?
There is a better way:
An income protection policy will allow you to:
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
AND
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.
AND
Of these, nearly a third will still be on claim 12 months later.
Source: Davies Financial & Actuarial Limited
That is where we come into the equation - lets meet to discuss your needs and review your options.