PERSONAL INSURANCE


Income protection





Income Protection Insurance

If you had an accident or became ill, and were unable to work, would you still have the income you and your family need? Could you cover expenses such as mortgage repayments or rent, medical bills, school fees, groceries and your day-to-day bills?

Your ability to work and earn an income is probably your greatest asset. A regular income helps you and your family build your assets, enjoy the lifestyle you want and do the things you love.

The financial consequences of an injury, disability or extended illness could be devastating for your lifestyle and those that depend on you. Recovering from an illness or accident is also difficult enough without the extra stress of financial worries.

Income Protection replaces your income if you can't work due to sickness or injury. It's important because your income is what allows you to live your life today - and make plans for tomorrow. Cover options are flexible and can provide for rehabilitation and occupational re-training, if necessary.

Income protection pays you a monthly benefit - just like your salary - and generally covers up to 75% of your pre-tax salary. The money can help you:

  • cover your mortgage or rent payments
  • continue to cover your living costs
  • take care of all your normal bills while you focus on getting better.

Just because your health suffers a setback, your finances and lifestyle shouldn’t have to.

An Adelphi Insurance adviser can sit down with you and your partner, in the comfort of your home, and develop your family’s Personalised Insurance Plan to determine the ideal level of Income Protection Insurance cover you need for your family’s unique circumstances and needs.

Your ability to earn an income is your most important asset.

Some food for thought...

  • At the time of the 2006 census 20% of New Zealanders lived with a disability. (1)
  • Every year, about 8,000 people in New Zealand have strokes (22 people per day). (2)
    1. 2006 Disability Survey, Statistics New Zealand, 2006
    2. The Stroke Foundation of New Zealand, 2010

Income Protection Claims

For the past three years (2011-2013) Fidelity Life has paid a total of $28 million in income protection claims.

The details below are for one year to 30 June 2013

Disability Stats

Source: Fidelity Life Annual Report Claim Statistics 2011-2013.

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A helping hand from quote to claim