Protecting your most valuable asset

What’s your most valuable asset?

Most people invariably answer “my house” if they own their own property. Or, if they are renting, they might nominate their car or boat as their most valuable assets.

But here’s the irony: while we don’t hesitate to insure our house, its contents, our car or boat, many of us neglect to insure what is undoubtedly our most valuable asset – ourselves, our health and our ability to earn income.

Consider this: take a person aged 40, on a salary of, say, $70,000 per annum and with 25 years (or more) income-earning ahead of them. That comes to $1.75 million. That’s certainly worth protecting! Over time, one’s personal situation, risk-exposures and protection needs can change. If you presently have insurances in place, a periodic “warrant of fitness” insurance review is an important way of identifying such changed needs and making any appropriate amendments to one’s insurance covers. Alternatively, if you have no personal insurances in place, you may wonder where to start – as it can all be a bit confusing and scary. It’s our job to work with you; to come up with a plan that provides you with security and peace of mind – for you, your family and your business. All insurance companies have their specific “sweet spots” – it’s the insurance specialist’s job to find the best “sweet spot “ for you; in terms of the type, quality and level of cover, as well as – of course – cost!

Theo Simeonidis is a Registered Financial Adviser, living and working in Millwater, and specialising in personal and business insurances. Also, by virtue his affiliation with the Newpark Financial Services Group, he is also able to provide a one-stop-shop for fire and general insurances, for both domestic and business purposes.

For assistance on any personal or business insurances, please feel free to contact Theo on 027 248 9320 or 09 528 8724 or email theo@uprotectnz.com. Any such assistance is provided on a free, no-obligation basis.

Theo’s disclosure statement is available free of charge on request.

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Cnr of Millwater Parkway and Bankside Rd, Miilwater

Mike Pero Real Estate Ltd Licensed REAA (2008) Grayson & Sarah Furniss

Tel: 09 426 6122 Mob: 021 665 423 grayson.furniss@mikepero.com www.mikepero.com