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Most clients I deal with will have a basic insurance against property loss, but very few will have a value and ensure the highest bogatstvo.Velika most people when asked a simple question - What is your most valuable asset? They will appoint one of the following list is usually in this order: 1 2nd House Car / Motor Bike. 3rd Furniture. If we can quantify the value of these assets are usually relatively small compared to the inherent value of future ability to generate revenue earner.
If we were to take men 35 years old earning the average annual earnings of $ 62.500 (Wikipedia) retiring at the age of 65 years, this person will earn another $ 1,875,000 in today's dollars - (ignoring the CPI increase and possible salary increments through the promotion, increase productivity, etc. ).
So here we have a paradox:
* Auto / Moto relatively low value - a very high degree of assurance
* Household contents of a relatively low / moderate value - a very high level of security.
* House of relatively high value - a very high level of security.
* Future income - a very high value - a very low level of insurance cover
However, if you asked the main income earning the following question - "If you own property that has produced at least $ 62,500 each year for the next 30 years it will provide" universal answer is YES.
One of the greatest challenges of life counselor faces getting clients to long-term view of their income generating capacity and provide a possible loss (either through illness or accident), and income. Great irony is that insurance premiums for income protection is actually tax deductible in Australia (with any claim benefits is assessed / taxed as income), but passenger vehicles do not generate tax benefits (unless used for business purposes) or a private home or personal content.
must provide their most valuable asset -. Your long-term income generation capacities
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