Personal and Family Risk Protection
If you were to pass away unexpectedly would you leave your family in a secure financial position?
Currently 12% of females and 20% of males in New Zealand die before they reach age 65. 99% of NZers take time off work at some point in their career due to accident or illness.
If you were unable to work for several months, or several years, how long would you continue to be able to meet your financial commitments?
If you require medical treatment would you be prepared to wait many months? If your condition isn’t acute then you might have a long wait in the public system. Only acute emergencies are treated immediately. Alternatively you could pay your own private hospital bills (anywhere from $3,000 to $30,000 per operation/treatment).