Your ability to earn a regular income is your most important asset. Without it, how could you cover expenses such as mortgage repayments, household bills, or your children’s education?
Income protection insurance can provide financial stability if you find yourself unable to work due to a serious illness or disability as defined in the specific policy. It can replace a significant portion of your lost income to help with your financial needs while you focus on getting better.
Income protection insurance is paid as a monthly benefit – just like your salary – and generally covers up to 75% of your pre-tax salary.
Each year around 54,800 Kiwi households lose their main source of income after the primary breadwinner develops a long-term illness and becomes unable to work. – Financial Services Council
Get the personal insurance cover that’s right for you
It’s easy to look for a deal online but unless you read all the fine print you could end up paying for cover you don’t need or worse, find you don’t have the right cover come claim time. Different policies cover different needs, so you need to choose the one that’s right for you.
Multiple Insurances needed
Sometimes multiple insurance policies are required to ensure you have the cover you require for your individual circumstances, such as:
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Health and life insurance
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Health and trauma insurance
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Health and income insurance
Choosing what is right for you, will give you peace of mind and provide the best value for money.
Speak to one of our insurance advisers and have peace of mind around your Health insurance needs,
simply call 0800 438 238, email letstalk@advicefirst.co.nz or fill in the form below
Get the right insurance, and protect your loved ones with help from us
Here are three ways we can make a difference to meeting your insurance needs.
1. Our advisers are insurance specialists. They are passionate about helping you find the right cover in an easy, no-fuss process.
2. We can provide insurance comparisons for all the major insurance companies in NZ helping you choose a policy that will protect you, your family and your lifestyle.
3. All our advisers are paid by salary, not by commission. This means you can be sure we are focused on achieving good outcomes for you.
Support at a claim time
When the time comes to make a claim on your insurance policy, we can be by your side every step of the way. Please talk to us FIRST so we can help to manage the claims process from start to finish and ensure everything is as smooth and stress-free as possible.
Insurance is complicated. But we make it simple. Contact us for an insurance package that protects your loved ones, simply call 0800 438 238, email letstalk@advicefirst.co.nz or fill in the form below.