bob
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Decision-making

How Bob decides
what to recommend

Bob weighs your income, dependants, debts and worries against what each cover actually does, then drafts a recommendation with the reasoning attached, including what it leaves out. It never sets the price; an adviser does.

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Why this recommendation

Replaces ~80% of income if illness stops work

4-week wait keeps the premium affordable

Runs to age 65, your working life

Not included: accidents (ACC covers those) and life cover.

How the reasoning runs

  • Needs first, product second

    The worry drives the cover, not a sales target.

  • Accounts for ACC

    So you're not paying twice for cover you already have.

  • Always names exclusions

    What it leaves out is stated plainly, before you decide.

See the reasoning for your case.

Start with Bob