Individual Protection
What would your household need if income stopped?
Individual protection looks at personal cover in context: income, mortgage debt, family needs, ACC gaps, and the cover you already hold.
Individual protection looks at personal cover in context: income, mortgage debt, family needs, ACC gaps, and the cover you already hold.
Cover is only useful if it responds to the risks that would actually cause pressure. For most households, that means income, debt, recovery time, family obligations, and what ACC will or will not cover.
Funding everyday commitments if illness or injury affects your ability to work.
Creating financial options when a major health event affects the family.
Understanding how debt would be managed if income changed suddenly.
ACC is accident-based and does not cover illness. Employer benefits, old policies, and default assumptions may also leave gaps or duplicated cover.
A review helps decide what is still useful, what needs changing, and what is not required.
BRC reviews the practical exposure first, then helps structure cover around affordability, priority, and the outcomes that matter most.
Where useful, the conversation can include KiwiSaver review interests or lending review needs.
Income, debt, dependants, and existing cover.
Clarify what ACC, savings, or current policies do not solve.
Decide what cover should be kept, changed, or added.