09 528 8724 theo@uprotectnz.com

Dealing with life’s unexpected challenges – what’s your Plan B?

Over recent decades, the pace, stress and demands of the modern lifestyle have seen an increase in the incidence of numerous medical conditions, particularly cancer, cardiovascular disease and strokes: the “big three.”

Why is it, that with all the medical advances of the past 50 years, these illnesses are still on the increase?

While in some cases genetics may play a role, arguably, it is largely because we have been avoiding responsibility for our own health: failing to choose a healthy lifestyle and instead relying on prescription medicines which often treat only the symptoms and not the underlying causes of our health problems.

Health protection first

Unquestionably, our first defence for the protection of our health is to eat real, nutritious, and, ideally, organic wholefoods. Many now recognise the health benefits of eating foods rich in antioxidants, vitamins, minerals, monounsaturated fats, fibre etc, do exercise, minimise stress and get adequate sleep. However, the reality is that, despite maintaining a healthy lifestyle, life can still present us with unexpected health challenges.

So, given that these things can strike anyone at random, what is your Plan B? How would you deal with such situations when life throws us a curveball and we, or a loved one, gets ill, or – sadly – dies?

Personal insurance that fits

The answer is personal insurance, which is a sound platform for your Plan B. This can include a variety of lump-sum products, monthly benefit covers or private medical cover. A personal insurance plan can be tailored to meet your specific needs at a premium that is manageable.

Having a contingency plan in place for those tough financial times that may arise owing to sickness, accident, or losing a loved one, is one of the smartest and wisest decisions you will ever make.

Theo Simeonidis is a Registered Financial Adviser, living and working in Millwater, and specialising in personal and business insurances. He is also able to provide a one-stop-shop for fire and general insurances. For assistance on any personal or business insurances, Theo can be contacted on 027 248 9320 or 09 528 8724 or email theo@uprotectnz.comAny such assistance is provided on a free, no-obligation basis. Theo’s disclosure statement is available free of charge on request.