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Compare Income Protection Insurance in New Zealand

We help New Zealanders understand income protection policies, compare options from multiple insurers, and connect with registered financial advisers who can guide you to the right cover for your needs.

Your income is your most valuable asset - protect it.

4.9 Stars
212 reviews
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Google Reviews
4.9 out of 5 based on 212 reviews
S
Sarah M.

"I asked many questions regarding my policy, and I was answered with clarity all the time. The adviser made income protection easy to understand."

J
James T.

"Quick and easy process. They actually listened to what I wanted and didn't try to push anything else. Highly recommend for income protection."

M
Michelle R.

"Well knowledgeable and prompt when responding to queries. Found me the perfect income protection policy at a great price."

D
David K.

"As a self-employed tradie, I needed good income protection. They explained everything clearly and got me sorted fast. No pressure at all."

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Frequently Asked Questions

Everything you need to know about income protection insurance

Income protection insurance provides you with regular payments (typically up to 75% of your income) if you're unable to work due to illness or injury. It helps you maintain your lifestyle and meet financial commitments while you recover.
Your income is likely your most valuable asset. If you couldn't work for an extended period, how would you pay your mortgage, bills, and daily expenses? Income protection ensures you can focus on recovery without financial stress.
Most employed or self-employed New Zealanders aged 18-60 can apply. You'll need to be earning a regular income and be in reasonably good health. Some occupations may have restrictions or higher premiums.
Premiums depend on your age, occupation, health status, smoking status, the benefit amount, waiting period, and benefit period. Generally, choosing a longer waiting period will reduce your premiums.
The waiting period is the time between when you stop working and when your benefit payments begin. Common options are 4, 8, or 13 weeks. A longer waiting period means lower premiums but you'll need savings to cover that initial period.
The benefit period is how long payments continue if you remain unable to work. Options typically range from 2 years to age 65. A longer benefit period provides more security but comes with higher premiums.
Most policies do cover mental health conditions like depression, anxiety, and stress-related illness, though there may be specific terms or waiting periods. Mental health claims are among the most common, so this is an important benefit to understand.
ACC only covers accidents, not illness. If you can't work due to cancer, heart disease, mental health, or other medical conditions, ACC won't help. Income protection covers both illness and injury, providing comprehensive protection.
Savings can help short-term, but how long would they last? Most people underestimate how quickly savings deplete when covering all living expenses. Income protection preserves your savings for their intended purpose - retirement, education, or emergencies.

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