Why Income Protection Matters
Your income is the foundation of everything you build. If illness or injury stops you from working, income protection insurance can replace a portion of your earnings and keep your plans on track. At Finsol, we provide start-to-finish support, from selecting the right policy to guiding you through underwriting and standing beside you at claim time.
Guidance From the First Step to the Final Payout
Income protection is not a one-size-fits-all product. There are many different contracts available in the New Zealand market, and each is designed to suit specific employment types, income structures, and occupations. We help you understand the differences between policies, explain how each option would work for you, and build a tailored solution that provides the right level of protection.
Our role goes far beyond arranging cover. We manage the full underwriting process, including all medical and financial assessments, to ensure there are no surprises or holdups if you ever need to claim. And when that time comes, we provide unwavering support, handling the claim process on your behalf so you can focus on recovery rather than paperwork.
Income Protection for Every Working Situation
The right policy depends on how you earn your income. Employed and self-employed people often have very different needs, and the terms of your contract must reflect that. We match you with policies that suit your occupation type, working arrangements, and income structure, ensuring that your cover is as effective and reliable as possible.
We also make sure your policy complements ACC rather than overlapping with it. ACC only covers accidents, so many illnesses fall outside its scope. By structuring your income protection correctly, you can close those gaps and ensure comprehensive protection that works alongside existing entitlements.
Smarter Cover With Tax Efficiency
Income protection insurance can also be structured with tax in mind. Premiums are often tax-deductible, and we work closely with your accountant or tax adviser to make sure your policy is set up in the most efficient way possible. We explain how benefits are taxed, how that affects your overall cash flow, and how to keep your plan aligned with your financial goals.
Why Specialist Income Protection Advice Matters
Choosing income protection is not something to tackle alone. The complexity of contract terms, benefit periods, offsets, and definitions means that engaging an experienced financial adviser is essential. At Finsol, we ensure every part of your cover is set up correctly from day one, the underwriting is completed thoroughly, and your policy is actively reviewed and serviced over time.
Our clients trust us to be there when it matters most. That means clear guidance when you set up your cover and hands-on support if you ever need to claim. With the right advice and the right plan, your income and your future can stay protected no matter what happens.
Life and living insurance.
FAQs
ACC provides cover for injuries from accidents, but it doesn’t cover illness. Income protection insurance can help replace income if you’re unable to work due to sickness or injury, subject to your policy terms and definitions.
Income protection generally covers a broader range of expenses, such as bills and lifestyle costs, while mortgage protection is designed specifically to cover your loan repayments if you can’t work.
Yes, many insurers offer income protection for self-employed individuals. Requirements and documentation vary, so it’s important to review your options carefully.
Premiums depend on factors like age, occupation, health, waiting and benefit periods, and the insurer. We can obtain quotes for comparison to help you find the most suitable option.
Coverage is determined by the policy’s definitions and exclusions. Pre-existing conditions, limits, and waiting periods may apply, so it’s important to check the policy details before committing.
Our Insurance advisers.
Meet our insurance team. Trusted, experienced, and here to make insurance simple, clear, and built around you.
Calculators
Smart tools, smarter choices. Get a quick snapshot of your money, goals, and options across lending, investments, and your personal finances.