1. Want to save costs on your ACC? And who doesn’t

2. Self employed?Want to reduce ACC levies?Cover for illness & injury?

3. Mary is a Real Estate Agent age 35 She earns $150,000 per annum

4. ACC would pay her a maximum of $116,089. 80 % of that is $92,871($7739 p mth). I Injury  No cover over $116,089.  A loss of $33,911 Illness  No cover

5. Her ACC levies are $2176 per annum By changing to ACC Cover Plus Extra

7. A Reduction in ACC premiums of $1399  Income Protection (IP) would cover her for:  Accidents over the ACC threshold  Illness She previously had no cover

8. INJURY COVER  ACC cover up to $22880  IP policy covers her from $22881 - $150,000

9. And

10. ILLNESS Now covered by her Income Protection policy

11. Asteron Life Loss of Earnings Monthly Income $9375 How long for Up to 5 years Annual Cost $1240.20

12. LET’S COMPARE CURRENT SITUATION  Injury Only cover for $7739 per mth  Annual cost $2176.00 NEW PROPOSAL  Injury Covered with ACC & IP  Illness cover to 75% of $150,000  Monthly payment of $9375  For a 5 year period  Annual cost $2017.20

13. and

14. Who is now in control of your situation? An ACC claims clerk  Wanting you back to work possibly too quickly Your own GP  Working in your interests

15. How have we assisted Mary? Saved her $158.80 IP payments can be made monthly rather than annually thus assisting cash flow There could well be tax benefits too (get tax advice from her accountant) She now has illness & accident cover not just accident Greater financial security in her time of need Control of her claim with her GP

16. What would you choose? What should you choose?