Income Protection

Why Income Protection

Why get Income Protection?

With Income Protection, you can receive up to 75% of your pre-disability income in the unfortunate event you are disabled or if you suffer an extended illness. What’s more, with Income Protection, you can get access to exclusive benefits to assist you in getting back to work.

Receive up to 75% of your pre-disability income

Paid out in the event you suffer an extended illness or become disabled

Protects your financial interests

Continue to support yourself and your family if you can no longer work

How it works

We know you're busy, so we keep it simple

Book a free consultation

Tell us a bit about yourself in our quick 10-min form. This gives us everything we need to tailor a recommendation that fits you, not the other way around.

Review your insurance solutions

We’ll send through your personalised quote. You can either book a time to review it together or go ahead with the solution that feels right. We’ll walk you through each part so you can make an informed decision.

Submit your application

When you're happy with your plan, it's time to apply with the insurer and get covered! The insurer might need extra info or medical checks – but don’t worry, we’ll guide you through it all, step by step.

Get a free quote

Income Protection FAQs

Ask us directly

What is income protection?

Income protection is a monthly benefit that is payable to you In the event of illness or injury. You’ll be able to claim up to 75% of your pre-disability income to cover your monthly costs so you’ll be able to focus on getting better.

Is income protection the same as redundancy cover?

Income protection and redundancy cover are completely different. Most insurers do not offer redundancy insurance. Redundancy insurance pays you a benefit or a lump sum if your role is made redundant. Income protection does not cover redundancy however income protection will cover you if you are unable to work due to illness or injury.

Do I need income protection?

The best question to ask yourself here is 'Do I have dependents or anyone who relies on my income?' If you were to pass away, would those who rely on your income be impacted negatively? Would those who depend on you be able to sustain the lifestyle they currently have? These are good questions to ask yourself, if your answer is 'yes' to either of these questions you might consider getting income protection insurance.

Do I need income protection even though we have ACC in New Zealand?

In New Zealand we are lucky enough to have ACC, however ACC does not cover illness, it only covers injury. If you are sick and cannot work ACC will not help you, also ACC will only cover a maximum of 80% of your pay. Most people need close to 100% of their income to sustain their lifestyles and families. With rising costs it makes sense to protect against injury and illness and protect your ability to earn an income. Income protection is there to help make sure you can focus on recovering without the financial burden.

Why Buffer

Why use an insurance advisor?

Unlike working with one single insurance provider, as licensed Financial Advisors, we're able to advise you on which policy is right for you across multiple insurance companies while ensuring you get the most favourable terms on your policy. We also advocate for you and your family in the event of a claim to ensure the whole process goes smoothly.

Access to exclusive insurance solutions

Available 7 days a week

We work with NZ's Top insurance providers

We advocate for you throughout the entire process, from application to claim

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