Now's a good time to review your insurance

If I were to die, would my family have enough money to support themselves for a period of time?

Life Cover provides a lump-sum payment in the event of death or terminal illness. It could be used to repay debt, replace lost income or to become mortgage free.

Every 90 minutes, a New Zealander dies from coronary heart disease.

If an accident or illness meant I was unable to work for a few months, do I have enough savings to compensate for my lost income and maintain my current lifestyle?

Income Cover pays you a monthly amount to compensate for lost income due to a disability, resulting from an accident or illness.

The average weekly household expenditure in New Zealand in 2023 was $1,598 per week.

If I was diagnosed with a serious illness, would I have enough money to support my family while I receive treatment and recover?

Trauma Cover/Critical Illness Cover provides a lump-sum payment if you experience one of the covered serious medical conditions. You can use it for whatever you choose i.e to replace lost income, pay for medical treatment or any additional help you may need.

It's estimated that 1 in 3 New Zealanders who get cancer are cured.

If an illness or injury meant I could never work again, would my family suffer financial hardship?

Complete Disablement Cover provides a lump-sum payment in the event you become completely disabled. You can use it to seek alternative treatment, replace a lost income or pay for medical costs - it's up to you.

In 2023, 17% of New Zealand household population were identified as disabled.

If I became ill or had an accident which meant I could no longer work, could I afford my mortgage repayments, rent obligations and key living expenses without income?

Mortgage Repayment Cover/Expenses Cover pays you a monthly amount to cover your mortgage repayments, rental obligations and regular living expenses if you become totally disabled as a result of illness or accident.

In 2024, the average weekly household mortgage repayment expenditure was $658.20 per week

If a key person or I were to die tomorrow, would my business be able to continue operating?

Every 90 minutes, a New Zealander dies from coronary heart disease.

Every year, more than 600 people die from breast cancer in New Zealand - almost two every day.

If the key person or I had an accident or became seriouslty ill and were unable to work, could my business repay debt and ongoing expenses?

One in 20 adults have been diagnosed with coronary heart disease.

There are an estimated 89,000 stroke survivors in New Zealand. Many are disabled and need significant daily support.

Do I have a plan in place to buy out my business partner or sell my business if either of us could no longer contribute to the business due to an illness, injury or death?

In 2023, the incidence rate was 98 claims per 1,000 FTEs for self-employed people compared to 85 claims per 1,000 FTEs for employees.

37% of injured people take longer than 10 weeks to return to work.

Could my business survive if I were unable to generate any income for a period of time (i.e 6-12 months)?

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In 2023, 226,600 claims were made to ACC for work-related injury.