What it is
Income protection pays you a monthly amount if illness or injury stops you working. It's usually around 75% of your income, and it keeps paying until you're back on your feet or the benefit period ends.
Why it matters
Your income is probably your biggest asset. If it stopped, the bills wouldn't. This is the cover that keeps the lights on while you recover.
Who it's for
Common misconceptions
"ACC will cover me."
The reality: ACC is really only for accidents. Most long-term claims come from illness, which ACC doesn't cover.
"It pays out for every little thing."
The reality: There's a wait period before it kicks in, so it's built for a genuine loss of income, not a few days off.
"It's the same as trauma cover."
The reality: Different jobs. Income protection pays monthly. Trauma pays a one-off lump sum on diagnosis.
How we help
Have a free chat
Tell us a bit about your situation, in the language you prefer. There's no obligation.
Meet the right adviser
We'll put you with a licensed adviser who fits what you need.
Talk it through
Your adviser explains your options in plain language, no jargon.
We stick around
We're here before, during and after, including reviews and help at claim time.