Compare Income Protection Quotes - Work It Out NZ

Compare Income Protection Quotes

Protect your income and lifestyle. Compare plans from leading NZ providers and get expert guidance.

  • Compare top NZ income insurers
  • No obligation, completely free
  • Takes about 3-4 minutes

Do you currently have income protection?

Let us know if you're currently covered.

Yes
No

How much cover do you want?

Select your desired monthly income protection amount.

$5,000/month
$1,000 $15,000
Continue

Who are you looking to cover?

Select who needs income protection.

Just Me
Couple
Someone Else

How old are you?

Enter your current age.

Enter age between 18-65

Continue

Are you a smoker?

This helps us find the best rates.

Yes
No

What is your occupation type?

Select the category that best describes your work.

Professional / Office
Trades / Manual
Self-Employed

Do you have any medical conditions?

This won't necessarily affect your eligibility.

Yes
No

How can we send your quote?

Please provide your contact information.

Verify your phone number

We've sent a 6-digit code to your phone.

Verify & Continue

Thank You!

Your income protection quote request has been submitted.

One of our specialists will contact you shortly.

Why compare income protection quotes

Same cover, different price

Providers rate occupation, income, and age differently. A quick comparison can save you hundreds per year.

Benefit periods matter

Two quotes can behave very differently - think short-term vs long-term benefits and waiting periods.

Your career changes

New job, salary increase, lifestyle change - your cover should adapt with you.

Why the cheapest isn't always the best deal

Coverage gaps

Basic policies might exclude key income scenarios like partial disability or specific occupations.

Waiting periods

Cheap policies often have longer waits before you can claim - sometimes 6+ months for income protection.

Benefit limits

Low-cost plans may cap your benefit periods, leaving you with insufficient long-term protection.

How it works

1

Answer a few questions

Tell us about your situation and needs in under 4 minutes.

2

Compare quotes

We'll show you options from leading NZ providers.

3

Get expert advice

Our specialists help you understand your options.

4

Choose your cover

Pick the plan that's right for you - no obligation.

What our customers say

★★★★★

"I was paying too much for years. Work It Out found me better cover at a lower price. The process was so easy!"

JM
James M.
Builder, Auckland
★★★★★

"The team explained everything clearly and helped me understand what I actually needed. Highly recommend!"

SK
Sarah K.
Nurse, Wellington
★★★★★

"Finally found income protection that fits my budget. The comparison saved me over $500 a year."

DT
David T.
IT Consultant, Christchurch

Frequently Asked Questions

Income protection insurance provides regular payments if you can't work due to illness or injury. It typically covers up to 75% of your income and helps you maintain your lifestyle while recovering.
Premiums vary based on your age, occupation, health, and the level of cover you choose. That's why comparing quotes is so important - prices can vary significantly between providers.
Yes, our comparison service is completely free with no obligation. We're here to help you find the right cover, not pressure you into a decision.
Our quick questionnaire takes just 3-4 minutes. After that, one of our specialists will contact you to discuss your personalized options.

Ready to protect your income?

Compare quotes from leading NZ providers in under 4 minutes. No obligation, completely free.

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