Protecting your Lifestyle is the foundation to any successful Financial Plan.

Most New Zealanders have insurance in the event death, to protect their loved ones left behind.

Though just as important is to protect yourself and loved ones should an event happen that prevents you from maintaining that same lifestyle throughout life.

The bases of this is to protect your income earning ability, assets and health.

There is a range of products that offer this protection but understanding which ones and how much cover you need is where I add the most value.

The answer is not immediately apparent as it completely depends on you own unique financial situation.

But as a generic guide and to help you understand the level of cover you may need I would suggest you visit Sovereign's life insurance calculator https://www.sovereign.co.nz/story23.aspx?

Though I do strongly recommend that such an important aspect of Financial Planning involves an appointment to discuss your individual situation.

I look forward to receiving your request.