Income protection insurance

Cover your bills while you look for new work.

If you can't work because you’re sick or injured, income protection insurance pays the bills and helps you maintain your standard of living.

Policies can cover both short-term and long-term disability, and family support including rehabilitation and return-to-work programs. We can help tailor income protection insurance to meet your needs and budget.


A safety net for your family during tough times
Coverage for both short-term and long-term disability
Peace of mind knowing you're covered in case of unexpected events
Less stress and worry when things go wrong

Frequently asked questions

Can I secure income protection insurance with pre-existing conditions?

Yes, you can. However, coverage for pre-existing conditions varies among insurance providers. Some may cover these conditions after a waiting period, while others may exclude them. It's essential to disclose all health information during the application process to ensure you're properly covered. Remember, at NZ Insurances, we're on your side and strive to secure the best possible coverage for you. Sharing all your information with us can help us get you the best results.

Can I claim my income protection insurance if I can still do a less demanding job?

It depends on the type of policy you have. Some policies are "own occupation" (pays out if you can’t perform your own job) while others are "any occupation" (pays out if you can’t perform any job).

Does income protection insurance cover unemployment?

Generally, income protection insurance does not cover unemployment, redundancy or job loss by choice. It is designed to cover you if you're unable to work due to sickness or injury.

Are there any waiting periods for income protection insurance?

Yes, typically there is a waiting period (or “deferred period”) which is the length of time you must be off work due to illness or injury before your policy starts to pay out.

What does income protection insurance cover?

This insurance typically covers a percentage of your gross salary until you can return to work or until the end of your benefit period. It can be used for mortgage repayments, rent, bills, and everyday living costs.

What is income protection insurance and why is it important?

Income protection insurance pays you a regular income if you can't work due to illness or injury. It helps maintain your lifestyle and meet your financial commitments during recovery.

Are you fully covered?

Take a closer look at these insurance policies. Get in touch for a free quote to make sure you have comprehensive coverage for your lifestyle and budget.

Our dedicated team

We’ll seek out the best policy and package for your circumstances, no matter who the provider is, and we’ll bat for you if you need to make a claim.
Our knowledgeable insurance advisers are dedicated to keeping Kiwi families’ income and investments safe and secure through quality insurance.
Get covered today

Are you prepared?

Our insurance advisers help you choose an insurance package, then get you the best coverage for the best prices. Book a free consultation today.
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