Income Protection Insurance

For most people, their income supports everything around them — mortgage repayments, rent, bills, savings, and everyday living.

Income protection insurance helps replace a portion of your income if illness or injury prevents you from working.

Broker vs insurer  
what’s the real difference?

Getting insured directly through a major insurer means your options are limited to a single provider — whether or not it’s the best fit for you

Access to more than one insurer

We work with a selected range of trusted providers, allowing us to compare options and find what genuinely suits your situation.

Advice tailored to your life

Your cover is structured around your income, responsibilities, and future plans — not a standard package.

Cover designed to work at claim time

The way your policy is structured matters. We focus on getting the details right so your protection performs when it’s needed.

Ongoing support as life changes

Your circumstances evolve over time. We regularly review your cover to ensure it continues to reflect your situation.

Support when you need to make a claim

If something happens, we guide you through the claims process and help ensure everything is handled properly from start to finish.

A long-term relationship, not a one-off transaction

We’re here to support you over time — not just when your policy is first set up.

If you couldn’t work for several months, what would happen financially?

Many people underestimate how quickly financial pressure can build when income unexpectedly stops.

With income protection

Without income protection

Income suddenly stops

Illness or injury prevents you from working and earning normally.

Financial pressure begins quickly

Mortgage, rent, bills, and everyday expenses continue immediately.

Savings start carrying the load

Savings may begin getting used faster than expected.

Pressure builds around returning to work

There may be pressure to return to work before fully recovering.

Recovery becomes financially stressful

Instead of focusing fully on recovery, financial stress becomes part of the situation.

Income support becomes available

A portion of your income may continue during recovery.

Financial commitments remain manageable

Mortgage repayments, rent, and living costs can remain more manageable.

Savings are less impacted

There is less reliance on savings during time away from work.

More time becomes available

You may have greater flexibility to recover properly before returning to work.

Greater stability is maintained

Recovery can happen with less financial pressure and uncertainty.

Frequently Asked Questions

Honest answers to help you understand life insurance before you make any decisions.

How much life insurance cover do I actually need?

It depends on your income, debts, and the people who rely on you. A general starting point is 10x your annual income, but the right amount varies based on your mortgage, family size, and long-term financial goals. We help you work this out properly.

What's the difference between life insurance and trauma cover?