{"id":110,"date":"2026-02-16T14:01:37","date_gmt":"2026-02-16T01:01:37","guid":{"rendered":"https:\/\/liferaft.co.nz\/?p=110"},"modified":"2026-02-16T14:01:37","modified_gmt":"2026-02-16T01:01:37","slug":"have-you-got-your-liferaft-in-place","status":"publish","type":"post","link":"https:\/\/liferaft.co.nz\/index.php\/2026\/02\/16\/have-you-got-your-liferaft-in-place\/","title":{"rendered":"Have you got your Liferaft in place?"},"content":{"rendered":"\n<p>Recently I have been watching a TV show called \u201cTitanic sinks tonight\u201d.&nbsp; It reminds me of a comment from Nigel Latta I heard around a year ago that inspired me so much that we updated our company\u2019s trading name to \u201cLiferaft Financial Advice\u201d.&nbsp;<\/p>\n\n\n\n<p>For those of you who are not familiar with Nigel Latta, he was a clinical psychologist, bestselling author, television presenter, and public speaker.&nbsp; Nigel also had bowel cancer, and he died in September 2025.&nbsp; When he was diagnosed the first person he called was not his mum, not his kids, not his brothers or his sisters.&nbsp; It was his insurance broker.&nbsp; Why?&nbsp; He wanted to make sure that if he couldn\u2019t work his family could pay the bills.&nbsp; Fortunately, he had been given good advice and had life, income protection, and medical insurance in place.<\/p>\n\n\n\n<p>In his words, he had a \u201c<strong><u>lifeboat<\/u><\/strong>\u201d.&nbsp;<\/p>\n\n\n\n<p>When the Titanic sank there weren\u2019t enough lifeboats for all the passengers \u2013 over 1500 of the 2,200 passengers died as a result.&nbsp; In their case they needed a physical boat to save them.<\/p>\n\n\n\n<p>Very few of us will be unlucky enough to die from the consequences of a boat colliding with an iceberg on a cold night.&nbsp; The leading causes of death for New Zealanders are cancer, heart disease, and strokes &nbsp;(<a href=\"HealthNZ%20report\">HealthNZ report<\/a> ).&nbsp; What\u2019s more, &nbsp;25,000 \u2013 30,000 New Zealanders will be diagnosed with cancer each year.&nbsp; Have you thought about how you will pay your bills, protect your family, and pay for any unfunded drugs?<\/p>\n\n\n\n<p>There are many unfunded drugs used for cancers, and these can cost up to $100,000 or more a year.&nbsp; Insurance can be used to cover them and they can give you more time.&nbsp; They are a great tool to include in your liferaft.<\/p>\n\n\n\n<p>In Nigel\u2019s book \u201cLessons on Living\u201d he says \u201cIf it\u2019s a choice between an annual holiday and life insurance\u2026.choose life insurance.&nbsp; It\u2019s boring until the boat starts sinking, then it\u2019s a lifesaver.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recently I have been watching a TV show called \u201cTitanic sinks tonight\u201d.&nbsp; It reminds me of a comment from Nigel Latta I heard around a year ago that inspired me so much that we updated our company\u2019s trading name to \u201cLiferaft Financial Advice\u201d.&nbsp; For those of you who are not familiar with Nigel Latta, he&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-110","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/posts\/110","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/comments?post=110"}],"version-history":[{"count":1,"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/posts\/110\/revisions"}],"predecessor-version":[{"id":111,"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/posts\/110\/revisions\/111"}],"wp:attachment":[{"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/media?parent=110"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/categories?post=110"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/tags?post=110"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}