Find out more about how income protection insurance helped these Kiwis mind the gap caused by sickness.

Karen’s and Steve’s story

Karen and Steve were happy until out of the blue Karen suffered a massive brain haemorrhage.

She survived thanks to a swift operation and her own determination, but it proved to be a long rehab process. Unable to work, Karen was forced to sell her business, and her husband Steve took six months off to look after her.

“I almost cancelled my income protection insurance two years before I had the aneurism,” says Karen. Thank goodness she didn’t. “I honestly can’t think where we’d be without it,” adds Steve.

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Rukingi’s story

Rukingi was earning a decent wage as a teacher until he had a stroke, which left him unable to remember even his own name.

He had to learn how to do everything again from scratch, from making a cup of tea to how to speak English and Maori.

Rukingi received a year’s sick leave from his employment, but thankfully he also had income protection insurance.

He’s now rebuilding his life and is studying for a doctorate. “I didn’t realise the depth and the breadth of the effects of that stroke. Income protection insurance has worked out perfectly for me.”

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Lisa’s story

Single with no dependants, Lisa first took out income protection insurance at 80% of her earnings. “Little did I know how useful that would be.”

Lisa’s overcame her first brush with cancer. Unfortunately the cancer returned four years later. By then Lisa was a contractor. With no employer to help out this time, Lisa would have struggled without her income protection.

“You think you’ll get ACC or support or something, but of course with illness that’s not the case.”

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