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Disability Income

Redundancy Insurance

Redundancy Insurance This cover usually is available as an add-on to Income Protection insurance but may be able to be purchased separately through some insurers.  Redundancy Insurance is not often part of have Income Protection insurance, and you have to add it as an optional extra. Why should you have redundancy insurance? Firstly, not all occupations can get this type of cover, so you will need to check with your adviser, whether it is available for your occupation class or industry. Think for a moment, what your options are if you were made redundant, how would your household cope without [...]

2020-11-15T23:09:41+13:0019/12/2019|Categories: Blog|Tags: , , |
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What is Income Protection Insurance?

WHAT IS INCOME PROTECTION INSURANCE? Income Protection Insurance will replace your income when you are unable to work because of sickness or accident and is normally it is paid as a monthly benefit. It’s designed to ensure that you can still afford to meet your household expenses and financial obligations while you are unable to work, and will continue to do so until your policy expires or you can return to work. HOW DOES INCOME PROTECTION INSURANCE WORK? Regardless of whether you have an accident at work or away from work, or a sickness stops you from working, money is [...]

2017-04-26T09:28:40+12:0026/04/2017|Categories: Blog, Income Protection, Personal Insurance|Tags: , , , , |
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Getting the best ACC Cover

If you are self-employed, then choosing the correct ACC Cover is vital for own personal long term protection.  Most of us will just accept the default option or not consider the longer-term benefits of each ACC Cover Option. Did you know you have two ACC Cover options? That's right, there are 2 very important and distinctive ACC Cover options for self-employed.  Each option does its own job and works in a different way at claim time. What you get from your ACC Cover at claim time depends on what you do now and how you set it up. What you [...]

2015-08-21T23:47:51+12:0021/08/2015|Categories: Blog, Business Insurance, Income Protection|Tags: , , , |
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Disability Income Protection Explained

Income protection products replace some of your income if you become too disabled to work, and you remain disabled for longer than your chosen waiting period. You do not need to be permanently disabled to claim on a disability income protection product; periods of temporary disablement are also covered - in fact most claims against disability income products only last for a relatively short time period. The good news is that even when you have recovered sufficiently to return to work, the cover remains in place in case you have a recurrence of your previous disability, or even suffer a [...]

2015-01-09T00:49:39+13:0009/01/2015|Categories: Blog, Income Protection, Personal Insurance|Tags: , |
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