As financial advisers, we have been a part of many family conversations when it comes to protecting their health and lifestyle. We have heard the genuine concerns of many families like yours, and experienced how different situations affect different families.
Our years of experience and knowledge have allowed us to not only understand your concerns but gain insight into how emotional insurance conversations tend to be.
The good news is, having an adviser in your corner is all about taking the stress out of the insurance process, and achieving peace of mind that your financial future is protected.
According to research, a vast number of New Zealanders are underinsured. This means that they may have less financial resilience than they realise – which is where quality advice can help.
A 2013 study by Massey University, commissioned by the Financial Services Council (FSC), found that nearly 54 per cent of Kiwis have inadequate levels of life insurance, and nearly 50 per cent of households would experience a 40 per cent drop in income if the main breadwinner were unable to work. More recently, another survey commissioned by the FSC found that the majority of New Zealanders were not protected for the financial repercussions if they were to lose their income due to a health condition.
As it turns out, one of the key reasons for underinsurance in New Zealand is perceived lack of affordability. As insurance advisers, we’re here to assist you with securing an appropriate level of cover for your needs and goals, and importantly, your budget.
As insurance advisers, we combine our knowledge of the insurance market with client-centric advice. We can help dispel some of the misconceptions you may have about ACC, or your insurance cover. Our goal is to help families like yours have protection in place from the unexpected.
Around 20 per cent of New Zealanders believe that ACC cover long-term illnesses that prevent employment, which unfortunately is not the case.
So, please get in touch with us anytime. We’re just a phone call away, and no question is too big or small for us to answer.
Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.