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If I cannot work, who will pay the bills?
Kiwi's are pretty well protected financially in the event of an accident with Accident Cover from ACC. However, if it is illness related ACC will not help.
And that is when a private income protection insurance can provide you with an income until age 65 or 70.
For a person age 40, that is disabled, this means an income for 25 or 30 years. The bills will still be paid and the lifestyle is still intact. That is pretty amazing.
No need to say it, but your ability to earn an income is your greatest asset.
Kiwi's use income protection brokers to tailor the best suitable package for your needs.