风险保险顾问史蒂夫-奥康纳（Steve O'Connor）帮助人们确保在最需要的时候获得正确的保险保障。

Consider the likelihood of making a risk insurance claim during your working life (up to age 65).

Here are some statistics provided by Quality Product Research Ltd:

Health Insurance: Every person with coverage will make at least one claim.

Disability Cover (unable to work for at least six months): Couples have a 24 per cent chance of making a claim.

Total Permanent Disability Cover (unable to work in your job again): Couples have a 9 per cent chance of making a claim.

Trauma or Critical Illness Insurance: 29 per cent of insured couples will make a claim before age 65.

Life Insurance: There’s an 18 per cent chance that you or your partner will pass away prematurely before 65.

Now, let’s compare this with general insurance claims over your lifetime (from online statistics):

Car Insurance: 20-30 per cent chance of making a claim during your lifetime.

House Insurance: 5-10 per cent chance of making a claim during your lifetime.

Home Contents Insurance: 10-15 per cent chance of making a claim during your lifetime.

Here’s the irony: People are more likely to insure their house, car, and contents, yet the statistical chance of making a claim on a risk insurance policy is much higher, if they had it.

It’s surprising how many people still consider their home their biggest asset.

In reality, YOU and your ability to earn income are your greatest assets.

Have you insured yourself? Let’s talk …

• Steve O’Connor, Insurance Advisor, Insurance Market, 021 862 330, steve.oconnor@insurance-market.co.nz