🏠 Mortgage & Income Protection

If illness stopped your income tomorrow — would your mortgage still be paid? We make sure the answer is yes.

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Two Covers That Work Together

Income protection replaces up to 75% of your income if you can’t work due to illness or injury. Mortgage protection specifically covers your mortgage repayments — keeping your home safe no matter what.

💡 ACC only covers accidents. Income protection fills the much bigger gap — illness causes the majority of claims.

Who Needs This Cover?

Anyone with a mortgage or home loan
Employees and self-employed people
Primary income earners with dependants
Anyone who couldn’t last 3 months without income

How Income Protection Works

Covers up to 75% of gross income monthly
Wait period: 2–52 weeks (you choose)
Benefit period: 1–2 years, 5 years, or to age 70
Covers illness AND injury (ACC shortfall)
Partial disability benefit available

What These Covers Do NOT Include

Redundancy or voluntary job loss
Undisclosed pre-existing conditions
Claims within the selected wait period

💡 Wait period, benefit period, and policy definitions determine how well your cover performs. Structure matters.

75%

of income can be replaced monthly

60%+

of income protection claims are illness, not accidents

To 70

maximum benefit period available

Smart Structuring — Maximum Protection, Minimum Cost

💰 Accurate Income Calculation

We calculate your correct benefit amount — over or under-insuring both create problems.

⏱️ Right Wait & Benefit Period

We match wait and benefit period to your savings, ACC cover, and financial situation.

📋 Strong Claims Definitions

Own vs any occupation — we ensure the strongest definition your situation qualifies for.

🔗 ACC Integration

We align cover with ACC so there are no gaps — and no overpaying for duplicate cover.

Common Questions

Frequently Asked Questions

Honest answers about mortgage & income protection in New Zealand.

Is mortgage protection the same as income protection? +

Not exactly. Mortgage protection focuses on covering your home loan and essential expenses. Income protection is broader, covering up to 75% of total income. Many clients benefit from both.

Does ACC replace income protection? +

No — ACC only covers accidents. Income protection fills the much larger gap of illness, which causes the majority of claims.

How long do payments last? +

You choose the benefit period — 1–2 years, 5 years, or to age 65/70. Longer periods provide more security but cost more.

What’s the difference between agreed value and indemnity? +

Agreed value locks in your benefit at application. Indemnity is based on income at claim time — which may be lower. Agreed value is generally preferred.

When do payments start? +

After your selected wait period — typically 4, 8, or 13 weeks. Shorter wait = earlier payments but higher cost.

Can I claim if I return to work part-time? +

Yes — most policies provide partial disability benefits if you can work but at reduced capacity.

Protect Your Home No Matter What Happens

If your income stopped tomorrow, would your mortgage still get paid? Let’s build a plan that protects your home and financial security.

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🏅 MDRT Member • 🏆 Most Trusted Award • 📋 Licensed FSP • 🤝 Independent Advisors