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Are You Really Protected?or Just Hoping for the Best?

You could be paying insurance premiums every month — and still have a serious gap between what you think you're covered for and what your policy may actually provide.

Discover the insurance questions many Kiwi families, business owners and self-employed people don't ask until it's too late.

GET YOUR FREE DIGITAL COPY Are You Really INSURED? Or Dangerously Exposed? A practical New Zealand guide to understanding your protection before illness, disability, injury or death puts your finances under pressure.

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FREE DIGITAL DOWNLOAD — NO PAYMENT • NO OBLIGATION

AT A GLANCE Inside this free book, you'll discover:

In this guide, you'll discover the truth about what your insurance actually covers and where the silent gaps hide that could leave your family financially exposed when life takes an unexpected turn. Whether you already hold a policy or are just starting to explore your options, this book will help you ask the right questions and make confident, informed decisions — so you find out where you stand from a checklist on a quiet evening, not from a declined claim on the worst day of your life.

The Gap Between Covered and Protected

Why having insurance doesn't automatically mean you're adequately protected

Hidden Fine Print, Real Coverage Gaps

The policy details, definitions and assumptions that can create unexpected gaps when you need to claim

Questions to Ask Before a Crisis

The questions to ask about your income, mortgage, health, family and business protection before a crisis forces you to ask them.

YOU HAVE INSURANCE. BUT DO YOU KNOW WHAT YOU ACTUALLY HAVE?

You've got the policy. The premiums are coming out of your account. Maybe you've had the cover for five, ten or even fifteen years

So, you assume you're protected. That's understandable. But here's the question most people don't ask: "Would my insurance still be enough if something happened to me tomorrow?"

Because your life hasn't stood still.

Maybe you've:

Bought a home.
Increased your mortgage.
Had children.
Changed jobs.
Increased your income.
Started a business.
Become self-employed.
Taken on business debt.
Had a partner reduce their working hours.
Experienced changes in your health or circumstances.

Yet your insurance may still be based on the person you were when you first bought it. That's the "set-and-forget" trap. Your life changes. Your financial responsibilities change. But your protection can remain frozen in time.

THE DANGER ISN'T ALWAYS HAVING NO INSURANCE.

Sometimes it's having insurance you THINK is enough.

Imagine this.

You're diagnosed with a serious illness. Your first thoughts aren't about insurance. They're about getting better. Your family. Your children. Your mortgage. Your work. Your business. Then the financial questions begin

How long can we manage without my normal income?

Can we keep paying the mortgage?

What does my insurance actually cover?

What happens to the business if I'm not there?

And that's when the fine print suddenly matters. Your policy might have a waiting period. A specific definition. An exclusion. A benefit limit. A particular occupation definition. Or a level of cover that was appropriate years ago but no longer reflects your life today.Lorem ipsum dolor sit amet, consectetur adipisicing elit.

The worst time to discover a protection gap is when you desperately need the protection.

WHAT ABOUT ACC?

ACC is an important part of New Zealand's safety net. But ACC is not the same thing as having comprehensive personal protection.

ACC generally relates to injuries caused by accidents. What about an illness? What about cancer? What about a heart condition? What about another serious medical condition that keeps you away from work? What about the mortgage and household expenses while you're recovering?

For many families and self-employed people, that's where the conversation about personal insurance becomes important.

AND WHAT IF YOU OWN A BUSINESS?

For a business owner, the risk isn't always just your personal income. It can be the business itself. What happens if the person generating revenue suddenly can't work? What happens to:

Staff wages?
Rent?
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Loan repayments?

Supplier commitments?

ABOUT THE AUTHOR

I’m Dennis Pimentel, a New Zealand-based financial adviser with over a decade of experience helping families, professionals, and business owners protect what matters most through smart, faith-aligned insurance solutions.

As the founder of Immerse LIFE I’ve seen firsthand how the wrong cover—or no cover at all—can leave people dangerously exposed. My mission is to simplify complex policies, expose hidden risks, and help you make wise, informed decisions that align with your values and secure your financial future.

Let’s Make Sure You’re Truly Covered

Call us at 0224139552 or visit www.immerselife.co.nz

Question? Ask us at info@faithfirstadvisory.com

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