1. Check the term of payment, many companies try to sell policies which pay for 6 months only. Payments up to age 65 is available and important if you don’t want to have to sell your hard earned house amidst a disability.

2. Some policies will pay out even if your mortgage has been repaid, effectively acting like an income protection insurance automatically.

3. It is important to have a policy which pays in advance and not in arrears. A policy paid in arrears can mean you are waiting another three to four weeks after your waiting period. (Waiting periods are usually four weeks) Two  months can be a difficult wait if the worst should happen.

Contact our office for a free review of your policy on Ph: 09 625 4693, we deal with the top insurance companies in terms of policy wordings and ratings.