Challenging Your Thinking
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Martin Hawes on how much life insurance people should buy

Martin Hawes has this article covering how much life insurance people should buy. For a refreshingly succinct approach which requires little maths this isn't bad. But for you - an industry professional seeking to abide by the Code, and meet a budget envelope - it is simply not possible to consider life insurance in isolation from other insurance requirements - unless directed by the client to ignore them. Given that about four out of every five New Zealanders have no income protection cover, concentrating on the right amount of life cover alone is a bit like buying triple glazing while you still haven't bought a roof.

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