Income Protection
Replace your pay if you can't work.
A regular benefit that helps you keep paying the mortgage, bills and daily living costs while you recover from illness or injury.
Key features
- Monthly benefit (often up to 60–75% of income, subject to insurer rules)
- Waiting periods (e.g. 4, 8, 13, 26 weeks) before benefits start
- Benefit periods (e.g. 2 years, 5 years, or to age 65)
- Definitions of disability (own occupation vs any occupation)
Who it's for
- Self-employed people with no sick pay
- Employees without generous employer sick leave
- Families reliant on your income to service debt and cover costs
How we help
- Calculate an appropriate benefit level and waiting period
- Compare policies for definitions, exclusions and premium costs
- Coordinate with your existing ACC cover and employer benefits
See what income protection could look like for you.
Request an income protection quote today.