Protect cash flow
Monthly benefits can help keep household expenses manageable during a covered claim.
Income protection for your earning ability.
Income protection can provide a monthly benefit if illness or injury stops you from working, helping cover living costs while you recover.
Your income funds almost every plan.
If your ability to earn stops, the mortgage, bills and everyday costs continue. Income protection is designed to replace part of your income during a covered claim.
We help compare benefit amounts, waiting periods, payment terms and definitions so the cover matches your work and cash flow.
- Set a suitable monthly benefit
- Compare waiting periods and payment terms
- Understand offsets and claim definitions
- Review cover for employed or self-employed income
Why income protection matters.
Support recovery
Income support can give you time to recover without rushing back before you are ready.
Cover self-employed risk
Self-employed people often have fewer built-in sick leave protections, making cover especially important.
Key settings to compare.
- Benefit amount and percentage of income covered
- Waiting period before benefits start
- How long payments can continue
- Agreed value, indemnity and claim definitions
Frequently Asked Questions
Clear answers to the questions clients most often ask before they speak with us.
How much income can be covered?
Insurers usually limit cover to a percentage of your income. The exact amount depends on policy type and underwriting.
Can self-employed people get income protection?
Yes. The application may require more financial documentation, but income protection can be especially useful for business owners and contractors.
Compare options across leading New Zealand lenders.
Ready to review your insurance options?
Tell us what you want protected and we will help you compare cover options that fit your family, lending and income needs.