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Your income supports everything that matters — your home, your family, your daily life. If sickness or injury stops you from working, there may be little or no backup income to fall back on.
Income protection insurance is a type of personal income insurance designed to help replace part of your income if illness or injury stops you from working, so your bills, mortgage, and everyday costs don't have to wait.
Employer sick leave runs out fast. If an illness or injury keeps you off work for weeks or months, your income can stop long before you're ready to return.
Mortgage, rent, groceries, utilities, and loan repayments — they keep coming regardless of your health.
ACC covers accidents. Illness, burnout, stress, and long-term health conditions aren't covered. That's where income protection insurance steps in.
Everyday costs keep running even while you're off work. Without replacement income, savings meant for the future get spent just covering the present. Income protection cover can help keep things stable.
Without backup income, many people return to work too early — making recovery longer and more costly. Loss-of-income insurance helps bridge that gap.
One size doesn't fit all. Not all income protection plans are equal. Waiting periods, benefit amounts, policy terms, and exclusions vary significantly across NZ insurers. A side-by-side income protection insurance comparison before you commit can make a real difference.
Answer a few quick questions about your work, income, and cover needs. Takes under 2 minutes.
See income protection insurance from leading NZ insurers — premiums, waiting periods, benefit periods, and key features.
Review your options and decide when you're ready. No obligation.
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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.
Compare nowEverything you need to know about income protection insurance in New Zealand
Most working New Zealanders can apply, including employees, contractors, and business owners, through major NZ insurers that offer income protection insurance. Eligibility and terms vary by insurer and occupation.
It's designed to replace up to 75% of your income if illness or injury prevents you from working. It does not cover redundancy. This is the core gap that income protection insurance fills.
ACC covers some accidents and injuries. It does not cover illness, stress, burnout, or long-term health conditions, which is where income protection cover fills the gap.
Premiums vary based on age, occupation, income, waiting period, and benefit period. Comparing income protection quotes online helps identify the most cost-effective option.
The waiting period is how long you must be unable to work before payments begin. Common options: 4, 8, or 13 weeks. Longer waiting periods generally mean lower premiums.
In some cases, yes, if the benefit would be taxable income. Speak to an accountant for advice specific to your situation.
Agreed value pays a pre-agreed monthly benefit regardless of income at claim time. Indemnity value is based on income at the time of claim, important if your income fluctuates.
Use compareincomeprotection.co.nz to compare the best income protection insurance in New Zealand from multiple NZ insurers, premiums, waiting periods, benefit periods, and key policy features side by side.
Don't commit to the first plan you find. Compare income protection insurance from multiple NZ insurers and find the best income protection insurance in New Zealand for you — side by side in minutes.
Compare Income Protection Plans →Comparing is free. No obligation. No pressure.
Important: All information on this site is of a general nature only. When you compare or complete the assessment online, we will connect you with an advisor who can give you advice at no charge. All advisers who are authorised to use this site, for their marketing purposes, are authorised financial advisers.