Frequently Asked Questions
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ACC (Accident Compensation Corporation) is New Zealand's unique no fault accident rehabilitation and support system
What are they and how do they work?
There are three reasons you would be asking this question.
In basic terms income protection replaces a percentage of your income when you cannot work in your own occupation for a medical or injury reason.
The aim is to provide 75-80% of your in the hand earnings to you at claim time.
Life cover as it is marketed is insurance cover in the event of death. You will often hear it referred to as Life Insurance, which is a range of products and Life Assurance as it assures the life insured that their family’s financial well-being will be taken care of. This does assume you have sufficient levels of cover to do so.
A monthly disablity insurance that pays your mortgage repayment when you cannot, due to a medical or accident disability.
Total Permanent Disablement
With total permanent disability (TPD), we can insure you for a lump sum amount if you are so disabled that you will never work in your own occupation ever again.
Or critical illness, vital care, dreads disease cover, living assurance to name a few that it is called.