Want to save costs on your ACC?

And who doesn’t

Self employed?

Want to reduce ACC levies?

Cover for illness & injury?

Mary is a Real Estate Agent age 35

She earns $150,000 per annum

ACC would pay her a maximum of $116,089. 80 % of that is $92,871($7739 p mth).

I

Injury No cover over

$116,089.

A loss of $33,911

Illness

No cover

Her ACC levies are $2176 per annum

By changing to ACC Cover Plus Extra

A Reduction in ACC premiums of $1399

Income Protection (IP) would cover her for:

Accidents over the ACC threshold Illness She previously had no cover

INJURY COVER

ACC cover up to $22880

IP policy covers her from $22881 - $150,000

And

ILLNESS

Now covered by her Income Protection policy

Asteron Life Loss of Earnings

Monthly Income

$9375

How long for

Up to 5 years Annual Cost

$1240.20

LET’S COMPARE

CURRENT SITUATION Injury Only cover for $7739 per

mth

Annual cost $2176.00

NEW PROPOSAL Injury Covered with ACC & IP

Illness cover to 75% of $150,000

Monthly payment of $9375

For a 5 year period

Annual cost $2017.20

and

Who is now in control of your situation?

An ACC claims clerk

Wanting you back to work possibly too quickly

Your own GP

Working in your interests

How have we assisted Mary?

• Saved her $158.80

• IP payments can be made monthly rather than annually thus assisting cash flow

• There could well be tax benefits too (get tax advice from her accountant)

• She now has illness & accident cover not just accident

• Greater financial security in her time of need

• Control of her claim with her GP

What would you choose?

What should you choose?