Income Protection.
A Proven Back-up Plan
• Have peace of mind and feel secure
• Friendly, independent advisers (real humans, no hard sell)
• Income protection insurance quotes tailored to your life, budget and needs
Our Providers
Protection that backs you up in case stumbles arrive.
You never know what life will throw at you next, so making sure you and your family can deal with life's wild swings is important.
Our health shouldn't be reduced to a number on a list.
We compare income protection insurance providers across the country, sourcing multiple quotes that leave you covered and helps you save.
Want a real quote?
So many advisers promise the dream, then are never heard from them again... until the next premiums are due.
Many Kiwis are after someone to support them through the process, and help make the right decision, whether that's changing income protection insurance policies or just staying as is.
We'll organise a free no-obligation coverage review and present several applicable options based on your situation, all you need to do is click get a quote, and fill out the form.
New to Income Protection?
Our experienced advisers can help ensure your first Income Protection policy covers your needs, without any additional or surplus costs.
It's a big step to take in your life and we are here to help you navigate it for the first time.
Do it once, do it right.
How it works
1. Tell Us What Matters
Answer a few quick questions about what kind of cover you’re after, whether it’s health, life, income protection, or all of the above.
2. Receive Quotes and Advice
We’ll provide tailored quotes from trusted insurers, along with clear guidance to help you understand your options and what each policy offers.
3. Make a Decision
With the right information and expert support, you’ll be equipped to choose the cover that best fits your needs, both now and in the future.
Where Protection Meets Peace of Mind
Personalised quotes, real guidance.
We’ll walk you through your best-fit options and make sure you feel confident in your cover.
Trusted by NZ Families
“I honestly didn’t think I needed to check anything. But this helped me spot a big gap in my cover — and I sorted it in a few days. Super simple, no pushy calls.”
JOSH T.
Builder, Tauranga
“I thought my work cover was enough, turns out it barely covered anything outside of an accident. My Adviser made it super easy to check and fix that. Genuinely helpful.”
RACHEL M.
Young professional, Wellington
“I’d put off thinking about insurance for years. This tool made it easy to get clear, and now I know my kids will be okay if anything happens.”
MEGAN L.
Solo parent, Christchurch
About us
At Insurance New Zealand, we connect everyday Kiwis with experienced insurance advisers who offer genuine, personalised support.
Whether you’re looking for life, income protection, or other types of cover, we take the time to understand your needs and walk you through the best options, so you can make confident decisions without the confusion.
Income Protection FAQs
What is income protection insurance?
Income protection insurance replaces a portion of your income if you can’t work due to illness or injury.
How much of my income is covered?
Income protection insurance can cover a maximum cover amount of 75% of your pre-disability income.
How long will payments last?
Income protection insurance payment periods can go right up to age 70, depending on your need and the provider.
Who needs income protection insurance?
Anyone who relies on their income, especially self-employed or contractors should consider getting income protection insurance or at least speaking to a financial adviser.
Is income protection tax-deductible?
Income protection insurance can be tax-deductible, depending on how the policy is structured. You need to talk to your financial adviser and potentially your accountant to confirm.
Are pre-existing conditions covered?
Some pre-existing conditions may be covered by income protection insurance depending on their seriousness, complexity and recency.
How soon do payments start after a claim?
Most policies have a waiting period (e.g. 4–13 weeks) before benefits begin.
Can I work part time and still claim?
Some policies offer partial payments if you can return to work on reduced hours.
Does it cover redundancy or job loss?
Standard income protection insurance covers illness/injury - not redundancy, unless you have add-on cover.
How do I make a claim?
Your advisor will guide you through this process in your time of need – everything from completing claims forms and working with you on any other documents needed, e.g. medical certificates and doctors' reports; depending on what type of policy you have.
Honest quotes. Advice you can trust.
We’re here to make insurance straightforward, real conversations, plain-English guidance, and recommendations designed around what matters most to you and your family.
Get personalised advice from someone who understands your goals and helps you choose the right cover, without pressure or sales tactics.
Insurance New Zealand is a free insurance check tool that helps Kiwis understand their cover and make informed decisions.
We connect you with trusted, independent advisers only if you choose to be contacted, no pressure, no spam, ever.
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