What income protection benefit period should you choose?
Your choices in wait period and cover period can make a significant difference to the effectiveness of your insurance cover. Here’s what you need to know to make an informed choice:
Read moreYour choices in wait period and cover period can make a significant difference to the effectiveness of your insurance cover. Here’s what you need to know to make an informed choice:
Read more“How much will income protection cost me?” isn’t really the question you should be asking. It’s better to ask how much you can afford to lose if you were sick or injured.
Read moreIncome protection can be confusing—but it doesn’t have to be. Take a look at the different types of income protection insurance: agreed value, indemnity and loss of earning insurance, and let us help you decide which is the right choice for you.
Read moreFor the self-employed, prolonged illness can turn into a business disaster. A week off sick is manageable, but what if it was two years? Learn how the right income protection advice kept one Auckland musician’s world from coming crashing down when his health took a turn for the worse.
Read moreThere’s no such thing as sick leave for the self-employed. Take a day off and you wear the cost—it’s why having a rainy-day fund to cover holidays and unwell days is essential. But what if you’re injured or sick for longer than your emergency fund can support you through? Enter self-employed income protection.
Read moreACC: it’s the pride of New Zealand business and the envy of many governments and workforces all around the world. We’re very lucky to have it—but it does have some significant flaws when it comes to actually protecting you.
Read moreHorizon research has shown that only 1 in 7 Kiwi households have income protection insurance, and we’re asking ourselves “why so few?”.
Read moreIncome protection insurance is a tricky beast. Unlike life insurance, which is clearly defined and fairly simple to navigate, people can—and do—get caught out with their income protection cover. The stats prove it too: nearly 25 per cent of all income protection claims are rejected.
Read moreMost insurance companies provide income protection insurance for people as young as 16. However, do they really need it? The long hours of certain professions and the rise in mental health issues may suggest that yes, they do. It is therefore something that young adults (and their parents) should consider.
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Insurance portability is the ability to leave a company insurance scheme but still retain your insurance benefits, keeping the same cover and the same conditions.
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