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.

Jazz Martin
Jazz Martin
08:08 19 Oct 21
I found Hayley great. She worked with my time schedule always communicating what's going on and answered questions. She was helpful and nice.
Stefan Rietz
Stefan Rietz
07:55 15 Oct 21
Fantastic experience and great advice. No pressure and very professional.
Katie Hunter
Katie Hunter
03:33 10 Oct 21
Great service and so much knowledge!
Manisha Patel
Manisha Patel
22:47 07 Oct 21
Hayley provided my husband and I with excellent service in the process of finding which life and health insurance best suited us. This process consisted with many follows ups to ensure she could provide us with the best outcome, in which she exceeded our expectations. Additionally, she personally came to see us, as our working conditions prevented us from seeing her, which was very considerate of her. Overall Hayley goes above and beyond as a professional insurance broker.
Jason Beard
Jason Beard
02:05 06 Oct 21
Blake was extremely helpful in all areas of my Insurance enquiries.
Cam Hudson
Cam Hudson
23:33 04 Oct 21
Ruth Marshall
Ruth Marshall
07:49 04 Oct 21
Kyle was very helpful in finding the best policies to suit my needs, and within my budget. Great explanations for why certain options would possibly work better than others.
Gaurav Sharma
Gaurav Sharma
00:31 23 Sep 21
I appreciate the service from the Hayley and her guidance for us to choose the insurance which we were looking for, thank you for a job well done.
Jennifer Dowhaniuk
Jennifer Dowhaniuk
04:03 21 Sep 21
Hayley made the process of choosing life insurance very easy and straightforward.
Luke Sid
Luke Sid
00:49 13 Sep 21
Matt was great. Was transparent and forthcoming about all my options and gave really helpful advice throughout the whole process that helped me to understand exactly what I was buying. Helped me to get the best quality and value coverage for medical and life insurance.
Philip Pyle
Philip Pyle
23:16 08 Sep 21
I found Hayley really helpful and responsive, gets things done.. thanks
Chloe Blannin
Chloe Blannin
23:58 18 Aug 21
Hayley was so professional and so helpful! Made the entire process very easy! 😁 Even got my family to go through Hayley to change their insurance as her service was so good, easy and affordable!
Lee Roi
Lee Roi
23:05 15 Aug 21
Dean kinvig
Dean kinvig
19:55 15 Aug 21
Luke Rawalai
Luke Rawalai
07:15 07 Aug 21
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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.

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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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