Your ability to earn an income is the single most important asset you own. It's the engine that pays for your mortgage, your children's school fees, your groceries and your dreams for the future. If that engine stops because you are too sick or injured to work, how long could your savings last? While ACC provides some support for accidents, it offers zero support if you are sidelined by an illness like depression, burnout or chronic disease.
Income Protection acts as a "income replacement" providing you with a regular monthly payment (usually up to 62.50% of your monthly gross income) while you are unable to work. This ensures that the "Kiwi Dream" doesn't turn into a nightmare of mounting bills and potential home loss. Especially for those new to New Zealand, having a guaranteed income stream is vital for maintaining visa requirements and residency stability. I specialize in tailoring these policies—adjusting "wait periods" and "payment terms"—to ensure the premiums fit your budget while providing maximum security when you need it most.
Don't leave your financial stability to chance. Let's discuss a plan that ensures your paycheck continues even when you can't work.
