Income Protection That Supports You When You Need It Most
Your income is your biggest financial asset. Income protection provides a monthly payment if illness or injury stops you from working, helping you stay financially stable while you recover. We help you understand your options, compare insurers, and choose cover that fits your lifestyle, job and budget.
Why Income Protection Matters
If you couldn’t work for months - or even years - how would you pay your bills? Income protection helps you:
Maintain your lifestyle
Cover rent or mortgage payments
Pay everyday expenses
Support your family
Reduce financial stress during recovery
It’s one of the most important types of personal insurance.
How We Help
We make income protection clear, personalised and easy to understand.
Compare leading NZ insurers
Explain benefit periods, wait periods and cover types
Tailor cover to your job, income and financial commitments
Help you choose between Agreed Value and Indemnity
Review your cover as your income changes
Support you fully at claim time
What Income Protection Covers
Income protection typically pays a monthly benefit if you can’t work due to:
Illness
Injury
Long‑term medical conditions
Mental health conditions (depending on insurer)
We help you choose the right:
Benefit amount
Wait period
Benefit period
Cover type (Agreed Value or Indemnity)
So your policy works exactly how you expect it to.
FAQs
-
Agreed Value pays a fixed amount. Indemnity pays based on your income at claim time. We help you choose the right option.
-
You can choose short‑term or long‑term benefit periods - we’ll help you decide what fits your situation.
-
We support you through the entire process and work directly with the insurer to make things as easy as possible.
Ready to Protect Your Income?
Your income is the foundation of your financial wellbeing. We’re here to help you protect it.