Insurance
If you couldn't work tomorrow, what stops?
Your income pays for everything. It's usually the last thing people insure.
Free guide
The Income Protection Guide
A plain-English walkthrough of everything that matters, plus a checklist to bring to your adviser. Free, instant, no obligation.
What this is
Income protection pays you a regular amount if illness or injury stops you working. It's the closest thing to insuring the engine rather than the car.
How long it waits before paying, how long it pays for, and how it defines "can't work" are what separate a policy that helps from one that doesn't.
How we help
How we protect your income.
01
We read the definitions.
The wording is the product. We'll tell you what yours actually says.
02
We set the wait right.
Longer waits cost less. We balance that against what you could genuinely bridge.
03
We account for ACC.
It covers some things and not others. Your cover should fit around it, not duplicate it.
04
We keep it aligned to your income.
Cover set at an old salary is cover you've partly wasted.
Get started
Protect the thing that pays for everything.
Tell us what you do and roughly what you earn. We'll show you what cover would look like and what it would cost.
No cost. No pressure. No obligation.
What it costs you
Nothing.
No — the insurer pays us a commission if you take out cover.
Common questions
Income protection questions, answered.
ACC covers accidents. It doesn't cover illness. A lot of what stops people working is illness.
That's your wait period and it's a choice. Longer waits cost less. We'll help you pick one you could actually manage financially.
Anything from a couple of years to retirement, depending on the policy. It's a real trade-off and we'll walk you through it.
Then this matters more, not less. There's no sick leave behind you.
No — the insurer pays us a commission if you take out cover.
While we're at it
The mortgage is usually the biggest thing income protection has to carry.
Worth making sure the two line up.