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If you’re unable to work due to an accident, serious illness, or mental health event, Income Protection insurance pays a monthly amount (after a chosen wait period) to help you cover your living costs.
There’s a wide range of Income Protection products available in New Zealand. Some of them are great; others are not so great. To ensure you’re adequately protected, we customise your cover to suit your unique circumstances. We look at:
You select your wait and payment period at application time. Wait periods can range from 30 days to 104 weeks, while payment periods can range from six months right through to age 65, with inflation adjustments along the way.
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If you have an accident which prevents you from working for more than a week, ACC will pay up to 80% of your current salary and cover the cost of your treatment and rehabilitation. Be sure to choose an Income Protection option that works well alongside ACC.
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Agreed Value Income Protection
Indemnity Income Protection
Mortgage Repayment Cover
Agreed Value Loss of Earnings
Please speak with your accountant if you require specific tax advice in relation to Income Protection.*
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Reputable life insurers also offer a raft of inbuilt and optional benefits:
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When you apply for Income Protection insurance, you have the option of adding on free Trauma Cover for your children.
If your child becomes sick with a condition covered by Kids Serious Trauma Cover, you’ll receive a lump-sum payment of $50,000. This can help with covering your lost income while you’re away from work and expensive medical costs.
Recent statistics show that many New Zealanders are cancelling their life insurance policies due to affordability – only a few years before they are most likely to make a claim.
Join thousands of other New Zealanders who have made the smart move to Level Premium Insurance.
Learn moreI highly rate Gareth and the awesome Finsol team. They went out of their way to get my insurance up and running and made the whole process really simple. I wouldn’t hesitate in recommending Finsol to anyone who needs insurance.
– Michael