It has been confirmed that as at 1st July 2010, the way that Life Companies are taxed is to change. As a result, it appears that the cost of
Life Cover will increase by around 15% - 20%. We feel it is important to inform you of the options you have available to combat this.
We believe it may be a good time to consider locking in some of your Life Insurance premiums. Locking in your premiums is similar to a fixed rate home loan, in the sense that you will be protected against future premium increases. Locking in your premiums now can save you thousands and thousands of dollars during your lifetime. In addition, it will ensure that you can continue to aff ord your premiums asyou get older.

Level Premium - Benefi ts to Clients

• The premium allows you to be able to aff ord life cover whenever you need it.
• Premium certainty (cost known) through rate guarantees until age 80
• Aff ordability when needed most
• Substantially lower costs
• Children can pay premium
• Lock in Health i.e. Buy once only
• Be rated at the age you buy life cover
• Premium rates aff ordable now through to age 80 (and renewableto age 100)
• Diminishing cost in real term
• Certainty of funding
• Succession planning

We will be contacting clients who we feel may benefit from leveling some or all of their Life Cover, to arrange a time to sit down and discuss this further. At this meeting we will look at your circumstances to see if you would benefi t by moving to a level premium. I urge you to take the opportunity to sit down with us – it may save you thousands of dollars!

If you wish to make an appointment to discuss contact James Wilson NOW. Mobile: 027 446 051, Phone: 03 338 8412, Email: james@equitus.co.nz