Compare Income Protection Insurance NZ | Compare Income Protection

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Compare Income Protection Insurance in New Zealand

We help New Zealanders understand income protection policies, compare options from multiple insurers, and connect with registered financial advisers who can guide you to the right cover for your needs.

Your income is your most valuable asset - protect it.

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Frequently Asked Questions

Everything you need to know about income protection insurance

Income protection insurance provides you with regular payments (typically up to 75% of your income) if you're unable to work due to illness or injury. It helps you maintain your lifestyle and meet financial commitments while you recover.
Your income is likely your most valuable asset. If you couldn't work for an extended period, how would you pay your mortgage, bills, and daily expenses? Income protection ensures you can focus on recovery without financial stress.
Most employed or self-employed New Zealanders aged 18-60 can apply. You'll need to be earning a regular income and be in reasonably good health. Some occupations may have restrictions or higher premiums.
Premiums depend on your age, occupation, health status, smoking status, the benefit amount, waiting period, and benefit period. Generally, choosing a longer waiting period will reduce your premiums.
The waiting period is the time between when you stop working and when your benefit payments begin. Common options are 4, 8, or 13 weeks. A longer waiting period means lower premiums but you'll need savings to cover that initial period.
Most policies do cover mental health conditions like depression, anxiety, and stress-related illness, though there may be specific terms or waiting periods. Mental health claims are among the most common, so this is an important benefit to understand.
ACC only covers accidents, not illness. If you can't work due to cancer, heart disease, mental health, or other medical conditions, ACC won't help. Income protection covers both illness and injury, providing comprehensive protection.

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