Income Protection Insurance

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In New Zealand, you are covered by ACC (accident compensation cover) if you are unable to work due to an injury or accident. ACC covers loss of income up to a certain amount, medical expenses, and ongoing treatment. However, ACC does not cover illness.

Protect your ability to earn

Income protection insurance provides cover in the event that you cannot earn your livelihood due to any illness or accident. Depression and mental health disorder are also covered.

Every year New Zealanders suffer from illness such as depression and mental health affecting their ability to work and earn. Income protection provides ongoing income support for up to 75% of your monthly income so that you can concentrate on recovery without the added stress of financial loss.

Live life without the worry

That’s the point of income protection insurance, you can just keep on living your life without the money worries. If you’re sick or injured, we’d rather you put all your energy into getting better and back to work.

Here’s how it works

Our income protection insurance pays you a monthly sum should you be unable to work because of illness or injury. You can decide how much cover you need and we even have options that cover rehabilitation and occupational re-training.


Income protection insurance gives you the peace of mind of receiving monthly sum in an event of illness or injury.