One of the first things a travel agent will tell you if you are planning on a sightseeing tour of deepest wild Africa is to go with an experienced, professional wildlife guide. The reason for this is simple. Wild animals in their natural environment are beautiful to behold, but they can also be unpredictable and dangerous. For example, many people think that hippos are cuddly, affable giants, which is about as incorrect as you could get. They are very aggressive mammals and are responsible for more human fatalities in Africa than any other large animal. Having an experienced guide with you in the wild is an important precaution. They will ensure that you can enjoy a safe and informative experience.
So, how does having a wildlife guide in the African savannah, to keep you safe from hippos and other wild animals, relate to the matter of personal insurance protection?
Insurance protection for that jungle out there
In exactly the same way that you need a wildlife guide in Africa, one of the best decisions you can ever make is to work with an experienced insurance specialist who can help you navigate the insurance ‘jungle’.
And, indeed, insurance is a jungle in which it is so easy to get lost. There are so many different insurance companies, various types of cover with different inbuilt and optional features, and different pricing ‘sweet spots’ that insurers have for their preferred demographic.
- Which income protection insurance option works best with ACC cover?
- Which company has the best built-in early cancer benefits?
- Which trauma (critical illness) conditions are you most likely to claim on?
- Who will help you keep your cover if you become unemployed?
- If you are partially disabled, will you still receive a payment?
- How much cover do I need?
- What’s the best medical insurance plan, and why?
- How sound are bank insurance policies?
Clarifying those all-important insurance questions
These (and many others) are all very important questions that an experienced insurance specialist can help clarify. The result is a robust insurance protection plan that provides security and peace of mind for you, your family and your business, at a cost that is manageable and sustainable.
It’s what we do!
Theo Simeonidis
UProtectNZ Insurance Services