Mark is a passionate family man and motorcycle enthusiast. But a motor vehicle accident nearly cost him everything.
Asteron Life’s Income Protection insurance helped him get back to doing the things he loves.
In 1980, Mark moved to Rotorua to take up a position as a hydraulics engineer. Once there, he instantly fell in love with his new home. The abundance of open hunting areas and off-road tracks presented plenty of opportunities to pursue his passion for the outdoors.
“Every road in and out of Rotorua had a motorcycle track and I was right in to motocross. I couldn’t believe my luck. It was a great place. Everything, the hunting, fishing, right on your doorstep.”
On the 27th of February 1999, Mark rode his motorbike into town to purchase a Lotto ticket. Little did he know how unlucky that decision would prove to be. Upon returning home Mark was hit by an out of control driver and left fighting for his life. “Bang! It was just like a grenade going off. A massive explosion,” he describes. Mark’s right leg was so badly broken that it was nearly torn from his body. In fact, the sum of his injuries was so severe that his wife Anita was told he may not survive.
Mark spent months in hospital before he was able to return home. But even then he faced a long and painful recovery. "I was going into town for a Lotto ticket and it was three and a half months before I got home again,” he explains. “It’s very hard to get your head around just how much adjustment you have to do to recover.”
The simplest of tasks became impossible for Mark. He lost all independence. “I was basically bed-ridden for quite some time. Unable to get showered, dressed, or feed myself. Even getting in and out of bed, I was unable to do all of those things.” As stressful as it was for Mark, it wasn’t easy on his family either. Anita was now the sole carer for both Mark and their children.
“You may think you can’t afford to have Income Protection. But you actually can’t afford not to have it.”
As the main income earner, the loss of Mark’s income would have been overwhelming. Anita’s background in insurance proved to be invaluable however. Several years earlier, she had learned of Asteron Life’s Income Protection insurance, and the pair had made the decision to protect Mark’s income. That decision enabled Anita to stay home and take care of the family. ACC supported Mark after his accident and Asteron Life’s Income Protection topped up his income, back to what he would have been earning if he were still at work.
The information in this article has been compiled from various sources and is intended to be factual information only. It is not personal advice and any description of an insurance product or service is not a complete description of all the terms and conditions applicable to the particular insurance product or service. You should consult a qualified adviser for advice on whether the information in this article is suitable for your personal situation and needs. While we take reasonable steps to ensure that the information contained in this article is accurate and up-to-date, it is subject to change without notice. Asteron Life Limited and its related companies does/do not accept any responsibility or liability in connection with your use of or reliance on this article.