Our Process
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The Foundation Steps = Protect
Step 2 – Income
Your greatest asset is your ability to protect your income. Without it, all your plans are put in jeopardy. If you were unable to work in your own occupation due to sickness or accident, Disability Income Protection can provide a replacement monthly income for you until you return to work or turn 65.
So what if you have an existing income protection plan in place, how much do you really know about what it does or doesn’t do?
Does it;
- Offset other income streams you have?
- Is it agreed value or Indemnity based?
- Does it offset payments from ACC?
- Is the benefit taxable?
- What is the benefit period? 2 years? 5 years? Or to age 65?
- What exclusions do you have?
- How long is the wait period?
If you can’t answer the questions above you need to consider whether you want to review your plan now with an accredited Apex Adviser or wait until you have been off work sick for 2 months and find out what you thought you had did not meet your expectations.
One of our advisers will quickly be able to answer all the above and many more and make recommendations for a greater peace of mind.