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Income Protection & Disability Covers

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Why do you need Income Protection in New Zealand?

Financial Security During Illness or Injury

Income protection ensures a consistent stream of income if you are unable to work due to illness or injury. In 2023, it's crucial to have this safety net in case you are down with illness or sustain injury that prevents you from working for an extended period of time.


With income protection, you can continue to cover essential expenses like mortgage or rent, groceries, utilities, and loan repayments even when you're not earning a salary. This financial stability helps maintain your quality of life and prevents falling into debt during challenging times.

Peace of Mind
in an Uncertain
Job Market

The job market can be unpredictable, and unexpected job loss can happen due to economic downturns or company restructuring. Income protection provides a financial cushion while you seek new employment, reducing stress and allowing you to make career decisions that align with your long-term goals.


Income protection safeguards your financial future and long-term goals, such as saving for retirement, your children's education, or homeownership. It ensures that you can continue building wealth and achieving your objectives even during periods of reduced income.

Income Protection / Mortgage Cover

Income protection insurance, also known as disability insurance, provides a portion of the policyholder's income if they are unable to work due to illness or injury. It helps replace lost income during a period of disability, allowing policyholders to maintain their financial obligations, such as paying bills and supporting their family.

Trauma or Critical illness cover

Trauma or critical illness insurance pays a lump sum benefit to the policyholder if they are diagnosed with a specified critical illness or condition, such as cancer, heart attack, or stroke. The purpose of this insurance is to provide a financial safety net to cover medical expenses, ongoing care, lifestyle adjustments, and other costs associated with a critical illness.

Permanent Disablement Cover

Also know as Total and Permanent Disablement Cover (TPD) insurance pays a lump sum benefit if the policyholder becomes permanently disabled and is unable to work again. It provides financial protection to cover living expenses, medical costs, and other financial needs in the event of total and permanent disability.

Need a quick quote?

Leave us with your details below and we'll get back to you with a quick, estimate quote.

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Thank you, we will be in touch with an estimate quote within the next 24 hours.

Frequently asked questions about Income Protection.

What is income protection insurance, and how does it work in New Zealand in 2023?

People seek to understand the purpose and mechanics of income protection insurance, including how it provides financial support during periods of income loss.

What does income protection insurance cover, and what are the limitations?

Individuals want to know the scope of coverage, including whether it includes illness, accidents, or redundancy, as well as any waiting periods, exclusions, or benefit caps.

Do I need income protection insurance if I have mortgage repayment cover?

Some may wonder if mortgage repayment cover alone is sufficient to protect their finances, or if income protection is necessary to cover other expenses and income loss.

How much income protection or mortgage repayment cover do I need in 2023?

People often ask how to determine the appropriate coverage amount to meet their financial needs and whether it should align with their mortgage, living expenses, or both.

What factors affect the cost of income protection and mortgage repayment cover in New Zealand?

Individuals are interested in understanding the variables that influence premium prices, such as age, health, coverage amount, occupation, and whether there are ways to lower insurance costs.


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