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If you
had just been diagnosed with cancer, or suffered a heart attack, would
you...
prefer a
get
well
card ... or
a cheque for
$500,000?
Tough choice ?
Did
you know?
-
Less than one third of business people in
New Zealand believe they would be able to maintain their lifestyle for
more than six months if they suffered serious illness or disablement.
-
It is estimated that 22,000 people a year
will be diagnosed with cancer by 2011.
-
Males have 2 in 5 chance of suffering a
critical illness between the ages of 30 - 64.
-
ACC does not provide cover for sickness
or disease.
-
Almost two thirds of business people in
New Zealand do not currently have any income protection insurance at
all.
Seven
Common Mistakes....
Mistake 1.
Neglecting to insure you most valuable asset - your ability to earn an
income.
Mistake 2.
Insuring the last and least likely event to occur before age 65 (death),
but neglecting to cover the traumatic events that are far more likely to
impact your lifestyle.
Mistake 3.
Paying more than you need to for your health insurance. Competitive
options are now available that provide affordable protection against he
medical costs that really matter - specialist's fees, surgery and hospital
expenses.
Mistake 4.
Not
insuring they key people in your business. If a key person
(yourself) died or was disabled, how would the future revenue and
profitability of your business be affected?
Mistake 5.
Avoiding business succession issues by not having a Buy/Sell agreement in
place with an appropriate funding mechanism. If you business partner
died last week, who would you be in business with today - your partner's
spouse or children? An Accountant or Lawyer? A total stranger?
Mistake 6.
Not
revising your insurance policies on a regular basis to ensure that they
are still relevant and value for money. You can have a no
obligation, independent review of your existing insurance free of charge.
Mistake 7.
Trying to do it yourself, rather than tapping into the expertise and
experience of a qualified, independent advisor who can identify the best
options to suit your needs.
Perhaps a get well card isn’t the best option!
Click here
to learn more about the $500,000 cheque alternative.
Questionnaire
If you think you
are prepared for the unexpected, ask yourself these questions:
-
If you were diagnosed with cancer, or
suffered a heart attach, would you have enough cash reserves to support
your lifestyle and business commitments?
-
Does your medical insurance pay
specialist's fees and 100% of surgery expenses?
-
Are you 100% sure that your insurance
company will be on your side when it matters most - at claim time?
-
Are you getting the best value for money
with your insurance policies?
If you were unable to answer yes to all
four questions you can
click here to arrange a free no obligation review of your
policies and a lifestyle checklist.
Or perhaps you might like to
click here
to update yourself on the plans that are available to assist you to make a
more informed decision on protecting your lifestyle.
A
cheque for $500,000
Options that best suit
your needs and budget in our Lifestyle Protection
program include:
Income Protection
- provides you with a monthly payment if you are unable to work, due to
sickness or injury.
Trauma Cover -
pays you an agreed lump sum if you are diagnosed with any one of up to 35
major illnesses.
Health Insurance
- provide you with more healthcare options, so that you have the freedom
to avoid public hospital waiting lists and select the best specialists and
hospitals.
Mortgage Protection
- helps to take care of your loan repayments if you can't work due to
sickness or injury.
Life Cover - a
lump sum payment, or tax-free monthly income, in the event of an untimely
death.
Business Protection
Includes:
Key Person Cover
- injects cash into your business on the loss of a key
person through disablement, a major illness (such as cancer, stroke, heart
attach) or death. Enable you to fund a replacement and recover lost
profits.
Partnership/Shareholder Protection
- designed to provide a smooth handover of control and ownership if a
partner or shareholder dies or is disabled.
Group Health & Income Protection
- provides essential protection for your staff and team
at special rates.
Free...
no obligation review of your
insurance policies, plus we will provide you with marketplace comparisons
and a lifestyle checklist.
Click here
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