Welcome to our Income Protection Insurance page. Our goal is to help you get the right insurance policy to protect your income should you need it.

Protect your family

Income is usually a person’s most important asset, and protecting it is not something that should be taken lightly.

What would you do if you were made redundant or became sick or injured in an accident and your income stopped tomorrow? Would you be able to meet your mortgage repayments? What about paying the bills and providing for the needs of your family?

Income protection cover bridges the gap when you can’t work and helps make sure your family are looked after until you can work again.

On average it is estimated that most New Zealand households would run out of money if the main income stopped, within only three weeks! Illnesses and accidents are common reasons for people to lose their income.

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Self Employed?

Running your own business can be great, but the sad fact is that a large majority of businesses go bankrupt, destroying a family's security and financial stability. 90% of new businesses fail within 10 years of starting.

​What about ACC?

As good as ACC is for covering accidents that happen to Kiwis at work, most people don’t understand that they don’t actually cover you for illnesses such as cancer or having a heart attack that could easily put you out of work. Income protection cover helps you pay for the important things while you are unable to work. One thing to keep in mind is that some companies will subtract any amount you may be getting from ACC from the amount they will pay you out, so it is worth reading the policy carefully. (Read this article)

Don’t get the wrong policy

Not all insurance policies are the same. Beware of companies offering you the lowest price, as this may not always be the best policy for you. It pays to shop around for the best quotes. For example, do you know if your policy covers you for partial disability, or depression? Do you know how long your policy will pay out for you when you make a claim on it? What about whether the company can cancel your policy at any time or not?

Our advisers will listen to your needs, and find the most suitable policy for you. 

We’d love to hear from you

If you have any questions about getting the right plan for your needs, we can help. To get a call back from one of our friendly staff, just fill up the form above on this page.

Income protection insurance

Knowing how to spot the best income protection policies can be tricky, unless you know what to look for. At Apex, our team is trained to analyze and track down the best policies for our clients.

 

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