Income Protection Insurance

When you compare, you save.

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SELF EMPLOYED INCOME PROTECTION

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Being Self-employed is not easy; the last thing you want to deal with is a health issue that prevents you from working. Not all income protection policies are the same when it comes to how they respond at claim time. ACC will offset some policies, and some policies require you to prove your income at claim time. Compare what’s best for your situation as a self employed individual, partnership or company by looking at policy types and insurance companies. When you look at price it’s best done with advice as income protection for the self-employed is complex.

INCOME PROTECTION INSURANCE

DISCLAIMER

Being Self-employed is not easy; the last thing you want to deal with is a health issue that prevents you from working. Not all income protection policies are the same when it comes to how they respond at claim time. ACC will offset some policies, and some policies require you to prove your income at claim time. We like to compare what policy and insurance company is best for you first, then look at the price with advice.  As an example read about indemnity vs agreed value insurance policies.

curtis stallworthy
curtis stallworthy
01:43 12 May 21
Hayley was especially helpful & patient whilst we considered all our options, definitely recommend!
Simon Lean-Massey
Simon Lean-Massey
22:07 04 May 21
Hayley worked with us to ensure that we got the package that best suited our needs. Her advice was friendly, professional, and targeted, and she revised her advice as we provided a clearer picture of our needs. We are extremely happy with the service we received and would not hesitate in recommending her.
Sheherazad Bhote
Sheherazad Bhote
04:52 04 May 21
Hayley really listened to what I wanted and offered me the best insurance plan for my situation. No upselling! Great communication and patience as I navigated the minefield of life insurance. Highly recommended.
Gabrielle Hitchcock
Gabrielle Hitchcock
07:57 12 Apr 21
Melanie Roskam
Melanie Roskam
03:00 31 Mar 21
Jenna Field
Jenna Field
23:58 28 Mar 21
Marius van Nieuwenhuizen
Marius van Nieuwenhuizen
00:42 19 Mar 21
Marcia Smith
Marcia Smith
03:42 04 Mar 21
Blake is knowledgeable and great to work with.
Baz Gallagher
Baz Gallagher
18:30 23 Feb 21
Alison is SUPER efficient and realy easy to deal with, her professionalism and attention to detail leaves you feeling at ease with your decisions under her guidance. Thanks again.
sheenagh brooks
sheenagh brooks
23:33 08 Feb 21
Hayley has been taking us through the whole changing of insurances and found us the best plan for our needs. She is very responsive and accommodating. Great Service.
Fraser Crum
Fraser Crum
07:57 04 Feb 21
Blake helps me with sorting my Income Protection when I went out as an independent contactor for the first time. Since COVID, the insurance industry are very wary of new contractors and very few will offer cover at all. Blake took the time to work with me and understand my needs and then develop a schedule of insurance policies that would provide me with the best cover over time whilst keeping everything at a very manageable price. I would definitely recommend Blake to anyone looking for insurance or wanting to review their current cover, and will definitely be working with him going forward to ensure our cover remains appropriate and effective.
Raymond Johnson
Raymond Johnson
06:22 18 Jan 21
Kelsey was very professional and friendly. She took the time to help me understand every part of the process and made it all much easyer than if I were to do it on my own (I have and it was a nightmare). Thanks Kelsey!
Geoff Wiblin
Geoff Wiblin
03:45 18 Jan 21
Blake was very patient and clear with us on our options and what would suit our insurance requirements for our circumstances. Great communication and very easy to talk to. Not a "pushy rep".Thanks very much Blake, we appreciate all your time and effort on our behalf.
lazarus992
lazarus992
23:53 12 Jan 21
Blake was very helpfull and able to find someone to insure me after many many rejections from the big names compnays.
Ben Harnett
Ben Harnett
21:09 07 Jan 21

Book a 30 min FREE Advice session. We will call you at an agreed time to walk you through the pros and cons of each Income protection policy type and will also guarantee the best price based on your situation.

Book - Compare Income Protection

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Redundancy Cover & Income Protection Insurance

Redundancy Cover & Income Protection Insurance

Many of you at this time are concerned for your jobs and possible redundancies. This short 60 second video explains to you how redundancy insurance works and the difference between income protection and redundacy cover. This video was recorded March 2020.

PRICE GUARANTEE

prezzy-card-income-protectionIf you have current income protection insurance or have a current quote, we will guarantee a better price. If we can’t show you a better way to save money or a cheaper policy, we will give you a $200 Prezi Card – subject to terms and conditions.

ADVICE CENTRE

compare-income-protection-advice-centreIf you would like to speak with a local adviser about income protection insurance, you can book a free consultation via phone or Skype by clicking the BOOK YOUR TIME button below. You will be connected with a registered financial adviser.

ABOUT US

Comparing income protection insurance can be extremely frustrating. This site is designed to give you an idea of what policy may be best for you based on your employment and debt situation.
Comparing insurance companies alone is fine when you’re buying on price for simple insurances such as a car or house. But covering your income in New Zealand is a little different as we have ACC for self-employed and employed kiwis which should be taken into consideration when buying private cover.
We designed this site to break down the four most common outcomes when buying income protection. Once broken down, you will need to get online advice from one of our dedicated advisers who can help structure your cover in the most cost-effective way.

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HOW DOES INCOME PROTECTION INSURANCE WORK?

services-compare-income-protectionWe get asked the question ‘what am I covered for?’ all the time. There are three main categories; not being able to work in your occupation due to ill health, losing your job via redundancy or not being able to work due to an accident.

If you would like to compare income protection insurance, click here.

Ill Health & Accident Cover: Income protection covers you for both accidents and ill health claims. You can’t claim ACC and certain types of Income protection together. Although ACC is compulsory for all working New Zealanders, the self-employed have the option to elect their cover levels, whereas being employed you cannot.
Redundancy Cover: This cover is generally limited to a six-month benefit, i.e. if you lose your job, you receive a replacement income for up to six months. However, if you know your job is on the line, you can’t take out this cover, and if your company is on the brink of receivership or liquidation, most insurance companies will have already red flagged your company (or even industry) as an exclusion.
Accident Cover: Whether you like it or not, we all pay ACC if we’re working. If you are employed, ACC will pay you 80% of your income based on your IRD information. If you are self-employed it’s a little different – you are also paid on your income, but as we all know, it depends how your accountant has structured your income, e.g. have you split your income with your partner? Be aware that if you have an accident, ACC will pay you based the amount you stated in your last annual return.
As ACC is a complex monster, you need to seek advice from an adviser who can show you how to structure your policy – for free!

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