Hi Mike — here's your plan. Watch it, read it, or listen. Tap i on any word to explain it.
A 1-minute 48 summary of everything below, in plain words. This is the same advice — watch it or read it, your call.
Listen while you drive between jobs. Tap any paragraph below to jump the audio to that spot.
Reading mode — everything below is the full plan in plain text. Scroll down to start.
What matters to you
From our chat — in your words. This is what your cover is here to protect.
Where you're exposed today
Your income is what everything rests on. Right now most of it isn't protected.
ACC only covers accidents, and pays just a slice. Illness? Almost nothing comes in.
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.
Indicative estimate based on your figures — James will confirm the exact amount.
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 work | Each 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.
What we recommend
Cover that matches what matters to you. Tap any one to include or leave it out — it's your call.
A wage that keeps coming if you can't work — sick or hurt.
Fits: keeps you the provider, even off the tools.
Locks in what ACC pays you, and lowers your levies.
Fits: certainty — you'll know the exact number.
A lump sum if cancer, a heart attack or a stroke hits.
Fits: a cushion, so you're never a burden.
Clears the mortgage and looks after the family.
Fits: the house stays the family's.
About $64 a week — less than a tank of diesel — to protect everything above.
Just your income protection — slide to see the trade-off. A longer wait before it pays = a lower monthly cost.
Indicative only — James confirms the final figure with the insurer.
Now vs your new plan
The same four things you said matter — and how your cover today measures up against your new plan.
The detail
Only if you want it. Tap to open.
What's covered
What's not covered
How a claim works
Ask James to change anything
A name, a number, anything that doesn't sound like you — James fixes it before anything is final.
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.
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.