Why it matters
Whether you’re single or have a family, your income pays for everything else. ACC can help if you’re hurt in an accident, but it doesn’t cover illness, such as cancer, heart problems or mental health conditions. Even for accidents, ACC pays up to 80% of your income only up to a set limit, so if you’re on a higher income, the drop can be bigger than you’d expect. If your health suffers a setback, your finances and lifestyle shouldn’t have to.
What it can do
- Pay a regular monthly benefit while you can’t work
- Help you keep up with the mortgage or rent, bills and everyday costs
- Let you focus on recovery rather than money
Mortgage and rent cover
A related option, Mortgage and Rent Cover, can help meet your mortgage or rent payments if illness or disability seriously affects your ability to earn. Some policies can also include cover for redundancy.
How I help
Income protection has important choices, such as how long you wait before payments start, how long they continue, and how your income is assessed, which matters especially if you’re self-employed. I explain the trade-offs and help you find the right balance of cover and cost.
Other cover
If I die or become terminally ill
Life Cover
A lump sum benefit so debts can be cleared and life can readjust to a new normal.
Learn more →If I get seriously ill
Trauma Cover
A lump sum if you’re diagnosed with something like cancer, a heart attack or a stroke, so you can focus on your recovery.
Learn more →If I can never work again
Total & Permanent Disability
A lump sum to clear debt, adapt your home and set you up for the life ahead.
Learn more →If I need treatment
Health Insurance
The public system is stretched. Health insurance helps you get diagnosed and treated sooner, without the long waits.
Learn more →Is your cover still right for you?
Book a free, no-obligation review, in person or online.