How Far Does Your Cover Go?

The changes are that you've already taken the lead in protecting the ones you love, if you are no longer around.  However, if you have only basic life cover, you are leaving yourself uninsured for other events that could be just as devastating to your family financially.

For example, what if you were to suffer a stroke, heart attack or cancer, and survive - but not be able to work ever again?

Quadrant has a whole range of insurance products designed to alleviate the financial stress on you and your family.  We all need to reconsider our insurance needs from time to time, especially at pivotal times in our lives, such as marriage, starting a family, buying a house or becoming self-employed.

It's also important to take account of the escalating costs of medical treatment and rehabilitation, and the amount you might realistically need to properly recover from serious illness or injury, and provide for your family.

Consider the following types of insurance cover available to you:

Living Assurance - can pay a lump sum should you suffer one of a specified number of critical medical conditions, such as cancer, cardiovascular disease, major neurological disease, and paralysis and loss of functionality.

Disability Income Protection - can give you a monthly income if your're unable to work due to sickness or injuiry, and provide additional benefits, such as rehabilitation and occupation re-training to help you get back to work quicker.

Essential Disability Income - can provide you with a monthly payment if you're diagnosed with a specified critical condition.

Total Permanent Disablement - can pay a lump sum if you suffer total and permanent disablement due to accident or illness.

Protection for when the worst happens

Did you know that one in six men and one in nine women over the age of 30 will die before they turn 65?* Dying early is a very real possibility.  For those
left behind, it can cause serious financial problems.

* Statistics New Zealand, 2004, NZ Life Tebles, 2000-2

Want to know more?

If you would like to review your personal insurance protection, talk to your adviser or call Quadrant Today on 03-348-0745