The whole point of personal risk insurance is to ensure financial stability for you in the event of you dying or becoming disabled or seriously ill. Should any of the above happen to you, you may lose your ability to fund your lifestyle. Your greatest asset is your ability to earn a substantial income and without it your lifestyle and future goals would be affected negatively.
Most working people who die in NZ die from a serious illness (cancer, heart disease or stroke). Once people develop a serious illness their ability to work and earn an income diminishes, even after recovery. This is called commercial death. Generally, commercial death precedes medical death. So, if you developed a serious illness then there would be a period of low income before any death benefit was paid out.
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