MAS Advisor
Knows your six policies, KiwiSaver, and three years of claim history.
Kia ora Sarah. I've reviewed your recent home purchase, your KiwiSaver, and your last three claims. There's one thing worth talking through together — your income protection. Your locum income has grown 18% year-on-year, but cover hasn't been updated since 2023. Want me to model a few options?
Good instinct. As a GP in your 30s with a stable PAYE base plus locum work, two changes usually outperform "just add more cover": 1) Move from indemnity to agreed-value income protection — locks in your current earnings, protects you from a future drop. Premium impact: roughly +$28/month. 2) Reduce your wait period from 30 → 14 days. Your contents and emergency fund cover the first two weeks comfortably. Premium impact: +$11/month. Leaving sum insured unchanged. Net: ~$39/month, and your effective replacement ratio rises from 75% to about 82% of total earnings. Want a draft adjustment to review?
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