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Learn How Can You Protect Your Income AND Save Tax At The Same Time?Your ability to earn an income is your most important asset but it's estimated that on average, Kiwi households have only three weeks cash in the bank. (RBNZ 2007). How long could you and your family survive if your income stopped? Income protection insurance is the answer to securing your family's comfort and lifestyle and reducing everyone's stress in the most difficult times. Why is 60/40 so important to you? "It won't happen to me", people say yet 40% of all Kiwis will suffer from a disabling Illness before they are 65, the average age being just 45! Can you afford to take the risk that you are one of the fortunate 60%? People often assume that men are much more likely to suffer from disabling Illness but the spread of claims is 60/40 between men and women. So while men are more likely to fall to a disabling disease increasing number of women need income protection insurance. Isn't Critical Illness cover for rare diseases? When you choose income cover, you are protected against all illnesses. This gives you confidence that you are covered for many situations but it also shows how much risk you have from disabling diseases. These include:
In fact, depression and accidental injury account for over half of all Income Protection Insurance claims. How much protection does your family have? More importantly, when you know your family don't have to worry about paying the bills and have protection for your mortgage payments, you will be less stressed and be better able to cope with your health issues.
Self-employed? Income protection insurance is the only personal insurance policy that is tax deductible. If the IRD recognises how important income protection cover is, doesn't it make sense to take advantage of the security and tax reduction? For peace of mind with income protection insurance, call 09 303 1541 today.
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