Life doesn’t always turn out the way we plan. That’s why our plans should always make allowance for unforeseen events and difficulties.

Even young and healthy people can be at risk of a permanent disability, injuries, accidents and illnesses may leave people bed-bound, in chronic pain, or otherwise unable to work again.

This is a financial disaster as well as a physical one, because it can deprive them of their income or their ability to provide for their family for the rest of their working career.

Total and Permanent Disability insurance (TPD) alleviates the financial burden in these cases. If you become totally and permanently disabled you can receive a significant lump sum payment to be used as you see fit. It can compensate for the loss of decades of income and help you to live without financial stress or It could allow you to purchase costly equipment and make costly modifications to your home to make life easier.

We can work with you to make sure you would be covered in this event in the most cost-effective manner.

Disability cover

When asked what your biggest asset is most people answer the family home which in most cases is wrong, the biggest asset we have is the ability to earn an income! So, what would you do if yow were unable to work?

Unfortunately, there are times when an illness or injury can take away our ability to earn an income this can be short term or in some cases for years and worst-case scenario for the rest of your working career.

Unless you already have a strong portfolio of assets or passive income, this can have far reaching effects on your lifestyle and financial future, a steady income is your best tool for living the life you want.

Income Protection can pay you a monthly amount and help to reduce the burden of being unable to work for an extended period of time due to illness or injury. It is important to note that income protection policies below would offset ACC payments received.

In many cases you may have a hybrid of one of these policy’s and Mortgage repayment Cover to get the best of both worlds, our One50 Advisers are happy to talk with you on the best way to insure your income and the best structure to maximise the benefits, we even have some policies that can work for people who are unable to get traditional income protection due to their income, occupation or health issues so come and talk to us today!