We all like to think we’re invincible. But accidents do happen. And we do age and become sick- and some of us die prematurely.
If you had an accident or illness that affected your ability to earn, what would happen to your partner, children, business, home or lifestyle?
Would you be able to pay the mortgage, the monthly bills, and meet your children’s schooling expenses?
How long would your family cope, drawing on savings or even using a retirement nest egg to fund daily living expenses?
Life can be a risky business- that’s why it’s necessary to plan to protect yourself and all that is dear to you.

Here is some food for thought:-

One in six males over the age of 30 will die before they reach 65. One in nine females over the age of 30 will die before the reach 65. Two in five males over the age of 30 will suffer a critical illness before they reach 65. One in four females over the age of 30 will suffer a critical illness before they reach 65.

Sources: 

1. ACC BERL Report, November 1996

2. New Zealand Health Information Service,2001,Mortality

3. Statistics New Zealand 2001

4. Statistics New Zealand,2004, NZ Life Tables,2000-02

5. General Cologne Life Re Australia,2002

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