A Quick Risk Checklist

Not everybody is convinced that insurance is necessary, although, given the Canterbury earthquakes, a lot of New Zealanders will now think twice about going without it.

If you’re sitting on the fence about getting cover for your life, family, possessions, income, health, home or business; consider what it would be like not to have financial security if the unexpected was to happen.

Can you answer these questions and feel comfortable your risks are sufficiently managed?

  • What is likely to happen if I’m unable to ever work again?
  • What will happen to my family and their lifestyle if I die?
  • What is likely to happen if I suffer from a serious illness?
  • How will I pay the medical bills if I need an operation?
  • Will I be able to pay the mortgage if I’m unable to work for several months?
  • How will I pay to rebuild my house if it was to burn down or be damaged in an earthquake? 
  • Could my business still run if it was damaged by a flood or a fire?
  • If my car was written off in an accident, could I afford to replace it?

Think about whether you have done what you can within your budget to protect yourself and your family, and the assets you have worked so hard to attain.

© KEPA 2016

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