WHY YOU NEED INSURANCE: the RISKS are REAL !!
What is the working life* risk you run of death, temporary
disability, or total and permanent disability?
Non-Smoker
| Risk of one person…. | Just you? (Male) |
Just you? (Female) | A Couple? | Four Business Partners |
| Dying | 11% | 7% | 17% | 31% |
| Becoming totally and permanently disabled | 4% | 5% | 9% | 18% |
| Suffering a critical illness | 16% | 10% | 25% | 43% |
| Becoming temporarily disabled** | 10% | 11% | 27% | 46% |
Smoker
| Risk of one person…. | Just you? (Male) | Just you? (Female) | A Couple? | Four Business Partners |
| Dying | 20% | 13% | 31% | 53% |
| Becoming totally and permanently disabled | 4% | 5% | 9% | 17% |
| Suffering a critical illness | 29% | 23% | 46% | 71% |
| Becoming temporarily disabled | 9% | 17% | 25% | 43% |
*Working life is age 18 – 65. Source: NZ Life Tables, Davies Financial and Actuarial, 2013.
**Temporarily disabled meaning unable to work for six months.
Please have a look at the real risks for your circumstances then ring,
email or text me
to get a quote for some insurance for you and your family.
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