Welcome to our Income Protection Insurance site.  Our goal is to simply help you get the best insurance policy to protect your income should you need it.

The way it works, is we shop around at all the major insurance providers for you and take into consideration your needs, as everyone is different and no one policy fits all, then we hunt down the best cover for you. It’s fast, easy and hassle free for you!

Protect Your Family

Income is usually a person’s most important asset, and protecting it not something that should be taken lightly.

What would you do if you were made redundant or fell ill and your income stopped tomorrow? Would you be able to meet your mortgage repayments? What about paying the bills and providing for the needs of your family? Income protection cover bridges the gap when you can’t work and helps make sure your family are looked after until you can work again.

On average it is estimated that most New Zealand homes would run out of money if the main income stopped, within only three weeks!

Illnesses and accidents are common reasons for people to lose their income. However most people don’t realize that it is possible to get up to %75 worth of your income provided to you, if you have good income insurance cover.

Self Employed? Running your own business can be great, but the sad  fact is that a large majority of businesses go bankrupt, destroying a families security and financial stability. 90% on new businesses fail within 10 years of starting!

Tax Deductible in NZ – The IRD realizes the importance of income insurance for families and is the only personal income vehicle that is made tax deductible.

Don’t Get the Wrong Policy

You need to make sure you understand the income insurance policy you get, because they are not all the same, and beware of companies just offering you the lowest price, as this is not always the best policy, so it pays to shop around for the best quotes, which we do for people. For example, do you know if your policy covers you for partial disability, or despresssion? Do you know how long your policy will pay out for you when you start to claim on it? What about whether or not the company can cancel you policy at any time or not?

At the end of the day, you need to watch out for companies throwing you all sorts of discounts, as often discounts come with less coverage, and you and your family might get caught out. This is where we come in and listen to what your needs are, and find the best policy for you!!

Get the best income insurance quote from our friendly staff today, so you and your family are secure.

We contact all the major health insurance providers, and provide you with the most competitive rates, that suit the needs of you and your family. You never pay us a penny, the insurance company does.

What About ACC Though?

Unfortunately, as good as ACC is for covering accidents that happen to Kiwi’s at work, what most people don’t understand is that they don’t actually cover you for illnesses such as developing cancer or having a heart attack that could easily put you out of work, and add to the further stress your family would be under in such a difficult time. This is another reason why one should get income protection cover, to pay bills and other important payments while they are not able to work. One thing to keep in mind though, is some companies will actually substract any amount you may be getting from ACC ( as some people who have had an accident are also entitled to this) from the amount they will pay you out, so it is worth reading the policy carefully.

What Policy is Right for Me?

This is a valid question, and one that gets asked a lot, and for good reason, as it can be confusing to work out, and even more confusing to read through all the fine print that insurance policies often consist of. Most income insurance policies in NZ fall into two categories, Indemnity and Agreed valued plans, and we can help you work out what is best for you, and help you find the best rates too!

Other things to consider are partial and recurring disability payments. For example if your illness is something that gradually improves, and you may be able to return to work part time, a good policy will recognise this and continue to pay you partial payments to help make up the income. This is similar for recurring disability, however the difference being that a person may have been able to return to full time work, only to relapse into the illness and not be able to work again. Most decent insurers will allow a 12 month window for this scenario and provide full payments with no waiting period. Other things to take into consideration is whether the policy provides home or work modification allowances, as in some cases your illness will mean modifications need to be made, and even carer support required.

Getting the right income insurance quote is essential to make sure you and your family are actually going to be taken care of in the event that you lose your income. Although it can be a little confusing to work out what policy is best, and ensure you pay the lowest fees without compromising on the cover you’ll receive, we are here to help guide you through this process. We are are not an insurance company and instead hunt around all the top providers for you, and come back to you with the best options, so you can make an informed decision. We only get paid by the insurance company you choose to go with, so you never pay us a penny!