Income Protection
Income protection insurance provides you with continuity of income should you suffer a long-term illness, disability or other loss of income that is not covered by ACC.
Many families without income protection insurance would find themselves experiencing serious financial hardship very quickly if the main household income earner were off work for as little as a month.
Avoid financial hardship
While most New Zealanders prepare by taking out life insurance, most fail to insure themselves and their families against a much more common financial hardships – sickness or disability.
Don’t get caught out.
Does ACC Not Cover Me?
ACC automatically covers 80 percent of your income in the event of an accident that prevents you from working. It does not provide alternative income for you or your family in the event of a sickness, trauma or certain kinds of disability such as a stroke.
Personal touch
Review your insurance cover at least every 5 years and whenever a lifetime milestone occurs, such as forming a relationship, starting work, taking on a mortgage or paying one off, or as you prepare for retirement. We’re here to look at your personal situation.
There are various ways to protect your income and you genuinely need to talk to us. You can take on Income Protection, which covers around 75% of your income or Mortgage Protection which could give you up to 45% of your income OR 115% of mortgage payments. There are tax implications of both and which one you choose depends on YOUR Personal circumstances. Let’s talk.
If you’re self-employed or a share-holder employee there may be better options to protect your income. Talk to us about Cover Plus Extra.
Protect against losing your income
For most of us “income generation” is our main daily focus and this alone provides our lifestyle opportunities. Protecting your income if an unexpected illness or injury occurs means you can maintain financial stability to recover and return to the lifestyle you and your family enjoy.
Income Protection protects your most valuable asset – your future income. It pays you a monthly benefit to help replace income you lose due to illness or injury.
A near miss today…
…could cost your income tomorrow
Losing your income. especially if you are the main household earner, could have a devasting impact on your lifestyle.
What Our Clients Say
“Insurance can be complicated but it’s great having someone with loads of knowledge and options available. Thanks“
Jane Budge-Prime
“Great insurance brokers. Honest and reliable service“
Sally Ann Jones
“Friendly, knowlegable insurance advice and help we could trust. We didn’t feel pressurised to buy and had the policies explained in easy to understand terms. We sleep better at night knowing we’re covered!”
John Roberts
Start Today
Keep your income, home and family safe with the right insurance.
Protect your way of life without breaking the bank.
Get in touch today. Ask us any questions. We'll keep you posted, without overload, with anything that may help.
Canterbury Insurances Christchurch
SHARE Office
5 / 12 Princess Street
Addington
Christchurch
PO Box 31078, Ilam
Christchurch 8444
03-357 0197