When you settle down in front of the TV tonight have a think about how your family would cope if you were seriously ill and unable to work. The average Household spends around $956 a week after tax, How would the mortgage and other bills get paid?

DID YOU KNOW?…

Two out of Five people in New Zealand have been unable to work for six months or more because of sickness or an accident at some time between the ages of 30 and 65.

You may be thinking that Government assistance will kick in if you become sick, injured or disabled and you lose your income source, or if your partners dies. But did you know the standard rate for the Unemployment or Sickness Benefit are $194.12 a week if your single and $161.76 a week if you are married, (with or without children). So how will you fill the gap?

“I Meant too” or “If only …”

Many people understand insurance is an important part of their finances, however many forget that their most valuable asset is their ability to bring in an income, manage the household and enjoy life.

“Take Control” with a little planning and just a few dollars a week, you can ensure your family has adequate financial protection if the worst were to happen.

For more details and a personalised quote, talk to your Insurance Express Advisor today “Take Charge” and enjoy a peaceful sleep tonight.

After the earthquakes in Christchurch, and various other natural disasters, the value of having adequate insurance is well recognised. Insurance companies have become tougher ensuring the conditions of their policies are being adhered to. If they are not, householders may find that, in the worse situation, they are not covered. To be on the safe side, it is best to keep your insurer informed if your circumstances have changed. For example, if you are planning to let your property for a short period (such as during the rugby world cup) or doing a house swap, your insurance company should be advised. Similarly if you are transferring your house into a family trust, you must notify your insurance company and get the new entity noted on your policy.

If you died or couldn’t work tomorrow, would you leave behind enough resources to pay off your debts, and safeguard your family’s future?

Did you know, accidents kill more New Zealanders between 15 and 54 than any other cause, often with devastating financial consequences for those left behind?

To help protect you and your loved ones, Insurance Express and Sovereign are pleased to offer you a $100,000 lump sum Accidental Death Insurance policy FREE FOR 90 DAYS.

All you have to do to take advantage of this special offer is call us on 0800-226 226 to arrange a “risk health check” and we will issue you your certificate of free cover. There are no health questions to answer, and as long as you are aged 18 to 65, ACCEPTANCE IS GUARANTEED.

Sovereign have released 21 new improvements to it’s suite of products

Some of these changes are offered first time in New Zealand.

• Automatic application of future product improvements to existing Sovereign Totalcare policies issued after February 2001. Claims will be based on the “best of both” basis by comparing the lastest version of the TotalcareMax with the issued policy.
• As an optional benefit you can add specialist and diagnostic testing benefit. This can be added to all TotalcareMax personal benefits including access to Best Doctors- to get a second opionion on any serious medical condition you may have.
• Retirement protection benefit, an optional add on benefit which pays employee contributions direct to your kiwisaver account when you are on income protection claim.
• Living Assurance improvements including full payment for early stage prostate cancer, if major treatment is required and also partial payment of hearing loss and blindness as well as two enhancement’s to heart conditions as well as neurological conditions.
• Enhancement to total permanent disablement.
• Bereavement Support benefit has been increased to $15,000 from $10,000 previously.
• Absolute health cover (medical) – females can now receive $15,000 for breast reconstruction after a total mastectomy.