What would happen to your family if you couldn't work tomorrow? That's the confronting question at the heart of our discussion about New Zealand's underinsurance crisis.The statistics are startling - 70% of Kiwis are underinsured, with only 38% having life cover and even fewer with income protection or trauma insurance. This protection gap leaves countless families financially vulnerable when facing unexpected illness, injury, or death. As we explore in this episode, your income is your biggest asset, yet it's often the one thing people fail to protect.We share powerful real-world examples that illustrate the ripple effects of serious health events. Beyond the immediate medical crisis, families face enormous practical and financial challenges – from childcare needs to household management, from mounting medical expenses to lost income. One particularly moving story involves a mother diagnosed with brain cancer during pregnancy who must cope with newborn twins while undergoing treatment, highlighting how insurance isn't just about death benefits but about quality of life during difficult times.The conversation tackles common objections to insurance, particularly cost concerns. As we point out, "If you can afford five cups of coffee a week or a takeaway, you can afford insurance." This is especially true for younger individuals when premiums are more affordable and you're less likely to have pre-existing conditions. The key message is that having some protection, even if it's not comprehensive, is infinitely better than having none at all.Want to learn more about protecting yourself and your loved ones? Join our upcoming webinar covering different insurance products and real-life case studies. Contact us for details and take the first step toward financial peace of mind. Because when it comes to life's uncertainties, hoping for the best while preparing for the worst is the wisest approach.Send us a text Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

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