Your plan is ready, Mike

James sent you a 4-digit code by text. Pop it in to open your plan.

Private & secure — only you can open this with your code.
(Demo: type any 4 numbers.)

Hadleigh Risk. Private & secure
James Carter
Your adviser · Hadleigh Risk Ltd

Hi Mike — here's your plan. Watch it, read it, or listen. Tap i on any word to explain it.

James explains your plan1:48

A 1-minute 48 summary of everything below, in plain words. This is the same advice — watch it or read it, your call.

1

What matters to you

From our chat — in your words. This is what your cover is here to protect.

From your conversation
Keep the house, no matter what"I don't want Sarah and the kids to ever lose the home."
Always be the provider"My job is to look after my family. That's who I am."
Keep the business running"If I'm off the tools, the work — and the money — stops."
Be able to stop and recover"If I got crook, I'd want to heal without watching everything fall apart."
2

Where you're exposed today

Your income is what everything rests on. Right now most of it isn't protected.

Your weekly income
$1,950
Protected now ($390) At risk ($1,560)

ACC only covers accidents, and pays just a slice. Illness? Almost nothing comes in.

ACC is the government scheme that helps if you're hurt in an accident. It does not pay out if you can't work because of an illness (like cancer or a heart problem). For the self-employed it usually replaces about 80% of your taxed income — often less than you'd expect.
3

Your ACC saving

First, some good news. By setting your ACC up the right way (CoverPlus Extra), you pay less — and know exactly what you'd get.

You'd save, every year
$2,140
That's about $10,700 over 5 years — money back in your pocket while your cover gets stronger.

Indicative estimate based on your figures — James will confirm the exact amount.

4

What it would mean for you

Using your own numbers — if you couldn't work for a while, here's what still has to be paid.

If you couldn't workEach month
Your income coming in$0
Mortgage still due$2,560
Power, food, the kids$3,200
Truck & tools$680
Short every month−$6,440

Your savings would cover this for about 6 weeks. After that, the home is on the line — the exact thing you said you never want to risk.

5

What we recommend

Cover that matches what matters to you. Tap any one to include or leave it out — it's your call.

RecommendedNot included
Income protection

A wage that keeps coming if you can't work — sick or hurt.

Pays you a set amount each month while you can't work — for an accident or an illness. This is the one that keeps the mortgage paid and food on the table.

Fits: keeps you the provider, even off the tools.

$118/month
RecommendedNot included
ACC CoverPlus Extra

Locks in what ACC pays you, and lowers your levies.

A set-up with ACC where you agree your cover amount up front. No surprises at claim time, and usually a lower yearly cost — that's the saving on the green card above.

Fits: certainty — you'll know the exact number.

$46/month
RecommendedNot included
Serious illness cover

A lump sum if cancer, a heart attack or a stroke hits.

Pays you a one-off lump of money when you're diagnosed with a serious illness. Cash to take the pressure off so you can focus on getting better.

Fits: a cushion, so you're never a burden.

$74/month
RecommendedNot included
Life cover

Clears the mortgage and looks after the family.

A lump sum paid to Sarah if you die. Set to clear the $520,000 mortgage and leave enough to raise the kids — so they keep the home and their life stays steady.

Fits: the house stays the family's.

$38/month
Your total
$276/month

About $64 a week — less than a tank of diesel — to protect everything above.

Make it fit your budget

Just your income protection — slide to see the trade-off. A longer wait before it pays = a lower monthly cost.

Pays you each week$1,200
Wait before it starts4 weeks
Your cost$114/month

Indicative only — James confirms the final figure with the insurer.

6

Now vs your new plan

The same four things you said matter — and how your cover today measures up against your new plan.

Cover now Your new plan
Keep the house
Now
At risk after 6 weeks off work
New plan
Mortgage protected, sick or hurt
Always be the provider
Now
Income stops if you can't work
New plan
A wage keeps coming in
Keep the business running
Now
ACC covers accidents only
New plan
Covered for illness too
Stop and recover if needed
Now
Can't afford to take the time
New plan
Paid time to heal
One trade-off: your 2014 policy has a $30k price lock you'd give up. James walks you through it first — your call.
7

The detail

Only if you want it. Tap to open.

What's covered
Illness and injury that stops you working, across all four covers. Income protection pays monthly; life and serious-illness pay a lump sum. Kids can be added to your serious-illness cover at no real extra cost.
What's not covered
Anything you already knew about and didn't tell the insurer, and a short stand-down for some pre-existing issues. James lists these clearly before you sign — no surprises.
How a claim works
You call James, not a call centre. He sorts the paperwork and chases the insurer for you. Income protection starts paying after your chosen wait; lump sums are usually paid within a few weeks of the diagnosis being confirmed.
8

Quick check — did I explain it well?

No wrong answers. This just helps me make sure I did my job.

Thanks — got it.
Thanks — got it.
9

Happy with your plan?

When you're ready, give it the nod. Nothing is locked in until James confirms cover with the insurer.

Symmetric by design: agreeing and declining sit side by side, equal weight. No pressure.

Agreed advice

Thanks Mike. James has been notified and will confirm your cover with the insurer.

Agreed by Mike Henderson · —

Hadleigh Risk Ltd is a Financial Advice Provider licensed by the Financial Markets Authority (FSP 123456). Your adviser James Carter (FSP 234567) gave this advice. Hadleigh Risk is paid commission by the insurer, usually 100%–200% of the first year's premium; this does not change what you pay. If you have a concern, tell James first; if it isn't resolved you can contact our dispute scheme, the Financial Services Complaints Ltd (FSCL), free of charge. This plan is a record of the advice discussed with you; full terms, exclusions and the policy wording apply. Figures shown are indicative estimates based on the information you gave us and will be confirmed before any cover starts.

Illustrative mockup · sample client data · for design review only.