Income Protection

• Anyone working 30 hours per week or more (employee or self-employed)
• Anyone with financially dependent family members
• Anyone with loans or other regular financial commitments
• New Zealanders aged 18-63 years can apply and cover extends to age 65 

• Provides monthly payments if an illness or injury keeps you off work
• The payment can be used for any purpose
• Paid in addition to any ACC entitlement 
• You can claim multiple times under the policy up to the maximum benefit amount
• Redundancy Cover optional

Option 1 - Disability

• Covers permanent and temporary disablement
• $8,000 maximum monthly cover amount 
• Optional wait periods - 30, 60 or 90 days
• Optional claim periods - 1, 2 or 3 years

Option 2 - Disability and Redundancy

• Covers permanent and temporary disablement
• $8,000 maximum monthly cover amount 
• Optional disability wait periods - 30, 60 or 90 days
• Optional disability claim periods - 1. 2 or 3 years
• Redundancy wait period - 30 days
• Redundancy claim period - 6  months

A few minutes on the phone can make all the difference.  One of our friendly advisers can help work through the best options for you.

As a minimum, we recommend you work out how much money you would need to meet your rent or mortgage payments and your everyday bills. 

Apart from understanding your financial goals,  we'll need to know your age, your smoking status and your basic health status, and whether you have any pre-existing medical conditions.  We also need to know your occupation.

These sorts of questions are standard for any disability insurance application.  We'll help you through them and advise if there's any additional information we'll need to complete your application.

It's important to tell us everything relevant to your application so that the contract between us is based on accurate information.  That way, you and your family can have confidence your policy will deliver when it's needed most.

We pride ourselves on simple, straightforward products, affordable premiums and personal advice.  Here are some other reasons why you should go with us for your Income Protection Insurance:

• You won't pay agent or broker commissions  because you're buying directly from the underwriter
• We don't add fees or interest charges if you choose to pay monthly
• You can increase, decrease or even cancel your cover at any time
• There's a 30-day 'Free Look' period

And we'll be there when you need us.​