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?*
 
Income protection insurance - why protecting your income is so important
 
Alison on coping with Cancer
 
Business Succession Planning
 
 
* terms and conditions will vary with the insurance policy and company chosen and any pre existing medical conditions that you may have.

Trauma Insurance
Why trauma, living, critical care insurance is so important

Trauma, or Living Insurance  
Trauma insurance, also known as Living insurance, or Critical Care insurance, provides a lump sum payment on survival of a Major Health Problem, or a Permanent Disability. Over 60% of cancer victims and 70% of people who suffer a stroke survive more than a year. Not all heart attacks are fatal but can leave the victim invalided for up to a year.

Living Insurance provides an agreed sum of money if the insured develops a variety of critical illnesses. The purpose is to provide the client with money at the greatest time of need rather than only at death.  It may also provide you with care you may need but cannot afford (refer to the section above on medical insurance and the cost of Herceptin).

Insurance Needs

insurance needs

 

Click here to request a quote. 
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