Your Income, Protected.
"She'll be right" doesn't pay the bills. Income protection insurance, does.
If you couldn't work for a while, income protection insurance means your pay cheque keeps turning up anyway, so the bills get sorted without you having to stress about it.
What’s the deal with Income Protection Insurance?
Basically, if you got sick or hurt and couldn't work for a while, income protection just keeps paying you, a regular amount, like a stand-in pay cheque, so your bills don't notice the difference. We'll sort the right level of cover together, and when it's actually time to use it, I'll be there to help.
Income protection insurance cover can include:
Mortgage & Rent
Keep up with the roof over your head, even if you're not earning for a while.
Everyday bills
Groceries, power, the day-to-day costs that don't stop just because you're not working.
Ongoing debts
Keep on top of loans or credit, so a tough time doesn't turn into a financial one too.
Time to Recover
The breathing room to actually get better, without rushing back to work before you're ready.
How it works
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We get you covered
We'll talk through your income, your expenses, and what you'd need if you couldn't work for a while. Then make sure your cover fits your needs properly. The right policy now means one less thing to worry about later.
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You live your life
I'll check in once a year to make sure your cover still matches your income and situation, because things change: a new job, a pay rise, a new mortgage. Checking in makes sure your policy keeps up.
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You call me if something happens
If you're unable to work, the last thing you need is to be fighting an insurer for what you're owed. You call me. I'll be in your corner, managing the claim, so you can focus on getting better.
Let's Get You Covered, Before You Need It.
Book a chat about protecting your income.
Frequently asked questions
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It's a regular payment, usually a percentage of your income, if you're unable to work due to illness or injury. It's there so your bills and lifestyle don't have to stop just because your pay cheque did.
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ACC covers you if you're injured in an accident, but not if you get sick. It also generally only covers around 80% of your income, and only for accident-related injuries. Income protection fills the gaps ACC leaves: it covers illness as well as injury, and can top up what ACC doesn't. Think of ACC as a safety net for accidents, and income protection as the wider net for everything else.
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Most policies cover around 75% of your income, though it can vary by insurer and policy type. I'll walk you through exactly what applies to your situation so you know what to expect.
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It depends on your policy, some pay out for a set period (for example: two years), others until retirement age. We'll figure out what makes sense for your situation when we chat.
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Yes, most policies have a stand-down period before payments start, often somewhere between 2 and 8 weeks. I'll make sure you know exactly what applies to your cover, so there are no surprises if you have to make a claim.
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It depends on your age, health, income, and how much cover you need. Rather than guess, I'll get you an actual quote based on your situation, so you know exactly what you're paying and why.
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Yes. Life changes, a new job, a pay rise, a new mortgage, and your cover should keep up. I check in once a year to make sure your policy still fits, and you can call me sooner if something changes.
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You call me. I deal with the insurer directly, manage the paperwork, and make sure your payments come through properly and as quickly as possible, so you can focus on recovering.
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Yes, and it's often more straightforward than people think. I'll look at your existing policy, check what you'd gain or lose by switching, and make sure it actually makes sense before you do anything.
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If your circumstances change, we can review or cancel your cover. I'd just rather have a chat first, so you're not left without cover unintentionally.