Safeguard your income
Ensure your bills, mortgage and everyday lifestyle are covered if an illness or injury leaves you unable to work.
Keep your life running no matter what
Your ability to earn an income fuels everything in your life, from paying the mortgage and bills to supporting your family and planning for the future. But if a serious illness or injury stops you from working, household expenses don't stop coming.
We help to design income protection solutions that act as a monthly safety net. If you can't work due to health reasons, your coverage steps in to replace a significant portion of your earnings, keeping your household financially stable while you focus on recovery.
Cover Fixed Expenses:
Maintain mortgage repayments or rent without tapping into savings.
Maintain Daily Living Costs:
Pay for groceries, utilities, schooling and day-to-day family costs.
Protect Savings & Investments:
Avoid draining your KiwiSaver, retirement funds or emergency reserves.
Flexible Structure:
Choose wait periods and benefit periods that fit your budget and career.
Mark, a 35-year-old IT professional, injured his back in an accident and was unable to work for eight months.
Thanks to the income protection cover arranged by his adviser, Mark received regular financial support throughout his recovery.
This allowed him to focus on healing without the stress of mounting bills or depleting his savings.
Peace of mind for your paycheck
Contact our team today for clear, independent advice on building a robust income safety net.
Frequently asked questions
Will health insurance cover my existing health conditions?
ACC only covers injuries resulting from accidents, it does not cover illnesses, severe diseases or medical conditions. Income Protection covers you for both accidental injuries AND serious illnesses that prevent you from working.
How does the "wait period" affect my payments and premiums?
The wait period is the time between becoming unable to work and when your benefit payments begin. A longer wait period (like 8 or 13 weeks) lowers your premium costs, while a shorter wait period (like 2 or 4 weeks) means payments start sooner.
Are Income Protection premiums tax-deductible in New Zealand?
In many cases, premiums paid for personal income protection policies can be tax-deductible and payouts are treated as taxable income. We recommend discussing your specific setup with an accountant alongside our advice.
