Why Insure?

The purpose of insurance is to ease the financial pressures caused by illness, injury, loss of income and even death. Insurance gives us peace of mind in knowing that, even if the very worst happens, we will not also have to endure financial hardship.

Who should be insured?

Usually the principal breadwinner is insured so that there is little interruption to your day to day lifestyle. Even a few weeks without income can have disastrous effects on some families.

It is a sound idea for the home-carer to have some form of life insurance in the event of death, so that the surviving partner can continue to manage the domestic affairs with as little disruption as possible.

Can I afford insurance?

The question is, "Can I afford not to be insured?"

It is too late after the event. You can pay someone else to accept various potential risks, and have peace of mind, or you can accept them yourself - this is known as self-insurance. The choice is yours.

Types of Insurance

If you answer yes to any of the following you need to be insured:

Would financial hardship occur if:-

• if you or your partner died?
• you or your partner could not earn an income due to illness or injury?
• your business ceased to function effectively because of illness or injury?

Consider:

• Term Life Insurance
• Recovery Insurance
• Total & Permanent Disablement
• Income Protection Insurance
• Business Expense Insurance