Protecting your health and earning potential is important when planning for the future. But finding the right insurance cover can be a time consuming and daunting task. Pinpointing risk is difficult, policy documents are littered with confusing jargon, and friends and family have clashing opinions. With a multitude of options available, it is hard to know if you’re comparing apples with apples. An independent insurance advisor can take the hassle out of finding your perfect-fit insurance plan. As experts in delivering tailored insurance advice, advisors (or brokers) save you time and stress by doing the hard work for you.
One of our biggest motivators in life is to provide for the ones we love. But would your family cope financially if the worst were to happen and you were no longer around?
Life insurance provides peace of mind in the knowledge that your loved ones will still be able to pay the bills when you’re gone. A lump sum payment is made to your nominated beneficiaries, safeguarding their financial freedom, in the event of your death Rest easy knowing that the right life cover will allow your family to reduce debt, maintain their fulfilling lifestyle, and happily plan for the future.
When you’re hit by a major illness or injury, the last thing you want to worry about is your finances.
Nobody likes to think about it, but conditions like cancer or traumatic injury can catch us off-guard and those rainy-day savings just won’t foot the bill. When the unexpected happens, it is comforting to know your Trauma policy has you covered.
A lump sum payment helps to ease the financial burden of treatment and rehab, as well as the day-to-day costs of running a household. With Trauma cover, you and your family can focus on recovery, knowing your finances have been taken care of.
You work hard every day to provide the best for your loved ones. But what would happen if you were no longer able to work? Only 14% of Kiwis have TPD insurance cover, but 8 out of 10 of us would struggle to support our kids and partners if we suffered a permanent disability.* This is the kind of condition that not only leaves you unable to work but can also add to everyday living costs — treatment and home accessibility improvements are vital but costly.
The right TPD Insurance policy can soften the blow. A large, non-taxable, lump sum payment allows you to access the best medical care, make home modifications, pay down debt, and continue to provide for your family. *Statistics provided by Financial Services Council, NZ
Did you know health insurers in New Zealand help 1.42 million Kiwis to cover their health care needs?* Your health is your most valuable asset — safeguarding it with the best medical care on offer is one of the smartest decisions you’ll ever make.
Health insurance helps ease the burden of day-to-day healthcare costs, such as GP and dentist visits, and more specialist treatment like diagnostic tests, expensive medications, and surgery. It allows you to skip the ever-growing wait for the public health system and access first-rate private care.
Enjoy peace of mind knowing you and your family have control over your health and access to treatment when its needed most. *Statistics provided by Financial Services Council, NZ https://blog.fsc.org.nz/health-insurance-makes-sense
If illness or injury left you unable to work, what would life look like? Could your family cover rent or mortgage payments? Would school uniforms push the limits of your budget?
Every year almost 55,000 Kiwi families lose their main income source due to long-term illness or injury that impacts a person’s ability to work.* In times like these, Income Protection insurance is your financial safety net. If the unexpected happens, you will receive a regular payment to keep the bills paid, the lights on and life running smoothly.
Let the right Income Protection cover take care of the finances, while you continue to take care of yourself and your family.
*Statistics provided by Financial Services Council, NZ
https://www.scoop.co.nz/stories/BU1511/S00556/kiwis-insure-cars-before-incomes.htm
Owning a family home is the Kiwi Dream. But if you’re unable to make mortgage payments, that dream can become a nightmare. Mortgage Protection Insurance helps you hold on to your home when you are unable to work due to illness or injury.
The right policy will cover your regular repayments, meeting the cover amount and payment period set by you. You can focus on recovery and getting back to work, or spending time with loved ones, while your Mortgage Protection cover keeps you safely in your home.
Copyright © 2023 Prudent Life. All rights reserved. Website By: 29i Technologies
