Will you live to 83?

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I read today that the average life expectancy is currently 81 for males & 83 for females. Being a 36 year old that is some great news.

However, I had a stop & think about that fact & some of the personal tragedies that I have already experienced in my life:

my father died at 59:
my mother was diagnosed with breast cancer at age 55;
my father in law who had a heart attack at age 58;
5 clients die in the past 2 years;
3 footy teammates die by age 45;
2 schoolmates die by age 35; and
not to mention the dozens of people that I know that have had one either a heart attack or a stroke or be diagnosed with cancer before the age of 60 - some as young as 25.

Now maybe I have been fortunate ... but I think that probably most of ye are nodding your heads as well if you can think of similar situations with your family or friends. "But I am fit, healthy, don't smoke, etc etc" Unfortunately the statistics don't lie. When I ran the NY marathon last year for the Heart Foundation, I was staggered with the number of Australians affected by heart disease each year (38,000).

With mortgages & raising families, it is a vital ingredient to have adequate insurance coverage in the event that something happens to you or your spouse/partner. If you already have insurance then that is great ... but make sure you ask yourself if it is adequate enough? Did you know that over 50% of Australians are under-insured.

Being proactive, as we always try to be at ARW, I have been able to secure a free no-obligation review of your current personal insurance situation. If you are interested then simply email me with FULL copies of your latest Annual Benefit Statements for Personal Insurance eg Life, TPD, Trauma, Income Protection - as well as your Superannuation Annual Benefit Statements.