Income Protection Insurance

When you compare, you save.

by proceeding you agree to our terms & conditions

compare-income-protection aia
compare-income-protection asteron
compare-income-protection fidelity life
compare-income-protection partners life

SELF EMPLOYED INCOME PROTECTION

self-employed-income-protection

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.

Lazarus86 Mpembe
Lazarus86 Mpembe
23:37 13 Aug 22
Hayley is well experienced and passionate at what she does. She did comparison among the insurance companies through that I was able to pick the best.
callum bradbury
callum bradbury
00:21 08 Aug 22
My partner and I dealt with Kyle who is based in Christchurch, his communication was great and we felt that he was able to provide us with the best possible service and options that specifically suited us.I would definitely recommend the team at CIPI, they make the process of sorting out insurance quick and straight forward
John Fuller
John Fuller
05:41 07 Aug 22
Raj Dhawan
Raj Dhawan
19:56 06 Aug 22
I liked the service provided by Hayley. Even though i couldnt reply to her emails and phone calls - she kept following up in a nice way. She prepared a quote for life insurance as per my requirements and helped me choose the right product by explaining everything in detail. I had emails coming from other agents but no one did a follow up as good as Hayley.I hope to get more insurance products from her in future.
Luke van Eeden
Luke van Eeden
09:39 06 Aug 22
Kyle has great communication and knowledge, highly recommend. Always answers phone calls and replies promptly to emails
t blackman
t blackman
00:28 27 Jul 22
Excellent customer service guiding right through the process of getting a better deal for Life and Income Insurance. Made the whole process stress free and advice was in plain speak and easy to complete.
Elise Le Compte
Elise Le Compte
02:07 09 Jul 22
Kyle was a dream to work through this process with! Made a complicated task so simple and tailored to my personal insurance needs.
Mel Ramsay
Mel Ramsay
00:58 03 Jul 22
Lucas was great help. Super friendly, super professional, and made everything really easy. Highly recommend his service.
Angela Betterton
Angela Betterton
13:15 02 Jul 22
Hayley was prompt, thoughtful and helped with everything I needed. I would definitely recommend her to everyone.
Sonam Gupta
Sonam Gupta
21:27 27 Jun 22
Happy customer! Hayley cleared all our doubts and was very professional. I recommend her.
lee ledesma
lee ledesma
00:01 27 Jun 22
Excellent service from Hayley - she gave me simple, easy to understand options that met my criteria. Hoghly recommended!
Karen Sager
Karen Sager
13:25 26 Jun 22
Sean was very patient with us following up in a non pushy way. He was helpful and knowledgeable and was happy to answer lots of questions regarding insurance. Gave us a good amount of information and multiple quotes to view and compare and he had our best interests at heart when discussing with him. He made the application process easy. Haven't dealt with a claim but I can imagine high professionalism with this as well if we need to.
jerin k joseph
jerin k joseph
23:54 23 Jun 22
Hayley is highly professional adviser with no strings attached with her service. Highly recommended
Willow Kingi-Laurence
Willow Kingi-Laurence
23:10 23 Jun 22
Sean and Michelle were great! I was incredibly busy with work and study which meant I was difficult to get in touch with. However, they both persisted and ensured I was signed up on the best insurance plan to suit my needs. Great experience and recommend!
Kat Sree Raman
Kat Sree Raman
00:42 11 Jun 22
js_loader

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

Everyone Receives a FREE copy!

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.

about-compare-income-protection

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!

Finance Directory of New Zealand – free online catalog of relevant and useful web sites. Free submit a site to New Zealand web directory and link exchange.