How long could you survive if your income stopped today?

Compared to your lifetime earning potential, everything else you own is small change. Amazingly, the vast majority of us buy insurance to protect our houses, our cars, our possessions – and yet we overlook our greatest possession - our ability to earn an income.

There are many ways to protect someones income and the range of products is complex so getting advice is very important.

• Should you have an Agreed Value or Indemnity Value policy?

• Is the wait period right for you

• How long will the policy pay you for if you claim

• Do you need to cover your whole income or just your mortgage payments?

• How does the policy respond when ACC are involved?

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