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"I asked many questions, regarding my policy, and I was answered with clarity all the time, satisfied, Mike simplified everything for me."
4 months ago
via Google
Protect what matters
Your income is your most valuable asset.
If illness or injury keeps you off work, your bills don't stop. Income protection insurance replaces a portion of your salary while you can't earn — protecting your home, family and lifestyle when you need it most.
We'll help you find the right cover.
30,000+
Kiwis helped
4.9
Star rating
100%
Free service
No pressure. Compare at your own pace.
How it works
Simple as 1, 2, 3.
No complicated forms. No pushy sales calls. Just clear comparisons.
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01
Tell us your needs
Answer a few quick questions about your income protection needs.
2 min -
02
We compare plans
We search NZ's top health insurers to find plans that match your needs.
24 hrs -
03
You choose, no pressure
Review your options and decide when you're ready. No obligation.
Your pace
Take your time. We're here when you're ready.
Reviews
What Kiwi families say about us
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"Great service, Kyle explained exactly what I wanted to know and answered any questions I had.. He went through everything in plain English so I didn't get caught up in lots of words sometimes you don't understand.. Very easy person to talk to.. Highly recommended his services.."
4 years ago
via Google
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"Thank you Kyle for helping us sort our life insurance in such a professional and friendly manner. We appreciate your patience with all our questions and back and forth with information. Highly recommend."
3 years ago
via Google
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"Hayley was very helpful and listened to what our needs was, her follow up was awesome even though we forgot.Overall very happy with the service and fast turn around. 😀"
4 years ago
via Google
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"Nicole was a great help and had lots of knowledge. I did not feel rushed and was given options, that at the end of the day was my decision. Very happy with how everything worked out and highly recommend!"
2 years ago
via Google
Why income protection
Cover that fits your situation — and pays out when life gets in the way.
Income protection means peace of mind, knowing your salary keeps coming in even when you can't. ACC only covers accident-related claims — and even then, with limits. The right income protection cover steps in when illness or injury stops you working, so your mortgage, rent and bills don't suddenly become someone else's problem.
Not all income protection policies are the same. Some are agreed value (you know exactly what you'll receive), others are indemnity (you have to prove your income at claim time). Some get offset by ACC payments, some don't. The wording matters — and that's before you even look at price.
With a few quick questions and a chat with a registered financial adviser, we'll find the policy that fits your occupation, income and family. We work with a range of NZ income protection providers, and the service is 100% free to you. Compare now and get started.
75%
Of salary replaced
5+
NZ providers compared
$0
Cost to use our service
Why it matters
Do you need income protection?
Most Kiwis can name what they're covered for if their car gets stolen — but freeze when asked what happens if they couldn't work for six months. ACC only pays out for accidents. If you get sick, your salary stops and your mortgage doesn't.
Income protection gives you a regular monthly payment (typically up to 75% of your income) while you're unable to work due to illness or injury. We'll help you find the right plan, with the right wording, at the best price for your situation.
Promises
Backed by a guarantee. Supported by real advisers.
Price Guarantee
We're confident we can get you the best deal on income protection. If you have existing health cover in place, or a current quote, we'll guarantee a better price. If we can't show you a better way to save, or a cheaper policy, we'll give you a $200 Prezi card. (Subject to terms and conditions.)
Advice Centre
Income protection wording can get technical fast — agreed value, indemnity, offsets, waiting periods, benefit periods. If you'd like to chat with a local financial adviser, you can book a free 30-minute consultation via phone or video call.
What it covers
Your salary, if life gets in the way.
Got questions? Not sure where to start? Book a 30-minute advice session with one of our expert income protection advisers. We'll walk you through your options, compare cover from NZ's top insurers, and guarantee the best price based on your situation.
- Illness — most income protection policies pay out when you can't work due to sickness, with monthly payments to cover your bills until you're back on your feet.
- Injury — for accidents that go beyond what ACC covers, some policies pay a lump sum on top of regular monthly benefits.
- Redundancy — if your role is made redundant, redundancy cover can pay your bills while you find your next job. (Available as an add-on with most insurers.)
- Self-employed — sole traders and contractors get specialised cover that handles fluctuating income — agreed value policies pay out a set amount regardless of last year's earnings.
Free, takes 2 minutes — no obligation.
About us
Independent advice. Real people.
Compare Income Protection is here to give you the expert advice and experience you need to choose the right income protection for you and your family.
Income protection is not easy to navigate — agreed value vs indemnity, ACC offsets, waiting periods, benefit periods, occupation classes. What is covered under one provider's policy may not be covered under another, and you often don't realise that until claim time. When you compare with us, our site guides you through every step and points out the distinct differences between policies. We then offer a free advice call from one of our registered advisers, qualified across the full range of NZ income protection products.
Frequently Asked Questions
Everything you need to know about income protection insurance in NZ
Income protection pays you a regular monthly amount (typically up to 75% of your income) when you can't work due to illness or injury. Some policies also pay lump sums for accidents on top of monthly benefits. Redundancy cover is usually a separate add-on.
Most insurers will cover up to 75% of your gross income. Look at your fixed monthly costs (mortgage/rent, food, insurances, school fees) — that's your floor. Then add anything else you'd struggle to give up. We'll help you size cover to your actual situation.
Pre-existing conditions are often excluded, especially anything related to the same body system. But each insurer underwrites differently — what one excludes, another may cover with a loading. We compare across all major NZ providers to find the best terms for your situation.
Yes — smokers can absolutely get income protection. Premiums are typically higher than non-smoker rates, and most insurers will let you re-rate after 12+ months smoke-free.
With agreed value, your monthly payout is locked in when you take out the policy — no need to prove your income at claim time. With indemnity, the insurer pays based on your income at claim time (so dropping income reduces your payout). Agreed value usually costs more but pays out more reliably for self-employed people.
The waiting period is how long you wait after an event before benefits start (typically 4, 8, 13 or 26 weeks). The benefit period is how long the insurer keeps paying you (2 years, 5 years, or to age 65/70). Longer waiting periods and shorter benefit periods reduce your premium.
Yes — and as a self-employed person it's arguably more important. ACC only covers accidents, not illness, and self-employed Kiwis don't have employer sick leave. Agreed value policies are usually the better fit because your declared income is locked in regardless of how the business performs at claim time.
Ready to protect your family's future?
It only takes 2 minutes. 100% free, no obligation.
Your income protection needs careful expert review
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Why This Matters
What Happens Next
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Request received
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Options prepared
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