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What is income protection?
Income protection insurance cover enables you to protect your income.
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Frequently asked questions
Some frequently asked questions about income protection
Insurer overview
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What is an income protection waiting period?
When setting up your income protection, you`ll need to choose a waiting and payment period.
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Income Protection Insurance
This insurance is simple, but powerful. As the name suggests, Income Protection protects a percentage of the money you normally earn.
Workability Insurance
Workability Insurance will help you to get back on your feet and earning again, if you're unable to work due to sickness or injury.
Protecting your biggest asset with Income Protection
First thing first, right off the bat: What's your biggest asset? Many people would say their house, their business, or their car. The reality is all these items depend on an even bigger asset: your ability to earn an income.
Saving for a home? How to protect your homeownership dream
Insurance - it's not just for the milestones you've already achieved; it's also the sometimes-winding journey it takes to get there. Is homeownership on your wish list, for example? With rising prices across New Zealand, buying a first home has never been more challenging, and unfortunately, it's not getting any easier.
Why get income protection insurance when we have ACC?
Many people in New Zealand tend to overlook income protection insurance, thinking ACC would step in anyway if they were unable to work. So, to cut through the confusion and help you best protect your financial future, here are some key things to know.
Seven steps to a happier you
To help you make mental health a priority for the rest of the year and beyond, we've collated some great tips from NZ's top insurers.
Inflation, rates and more: 2022 and your cover
There's never a dull moment in the economy, but 2022 has been a particularly big year on that front. Looking for tips to manage your cover in times of increasing costs? Here are some helpful insights from Senior LifeDirect Adviser, Ben Hindin.
What we've learned about remote work
With remote/hybrid work becoming the norm for many workplaces, we've all learned a lot about working remotely since the pandemic started. So, we put together some first-hand tips from our team at LifeDirect, on how to make working remotely work for you.
Inflation, rates and more: 2022 and your cover
There's never a dull moment in the economy, but 2022 has been a particularly big year on that front. Looking for tips to manage your cover in times of increasing costs? Here are some helpful insights from Senior LifeDirect Adviser, Ben Hindin.
What we've learned about remote work
With remote/hybrid work becoming the norm for many workplaces, we've all learned a lot about working remotely since the pandemic started. So, we put together some first-hand tips from our team at LifeDirect, on how to make working remotely work for you.
Some creative ways to boost your income
Is the rising cost of living making it challenging to achieve your financial goals? You may be looking for creating ways to boost your income (that don’t involve asking for a pay rise or taking on a second job).
Keeping cover and managing costs in pricey times
With the increasing cost of living, it's natural to look for ways to reduce your expenses. But when it comes to reviewing your insurance, it’s important to remember that it’s not just a cost: it’s a valuable tool to create financial resilience.
Five reasons to get income protection insurance
When it comes to preserving your financial wellbeing, income protection insurance can be a powerful tool, as it provides a regular income stream if you’re unable to work after the period of time specified in your policy, due to illness or injury.
Protecting your income: do you have a plan B?
Life is unpredictable, and unexpected turns – like accidents or serious illnesses – could impact your ability to work and earn a living. Do you have a plan B for those circumstances?
Why your income is your most important asset
If you were asked to name your most valuable asset, what would you choose? Your ability to earn throughout your life is a huge asset. Read on to learn more.
Why your income is one of your most valuable assets
Are you underestimating the power of your income? Find out why your income is one of your most valuable assets.
Adviser Corner: Factors to consider when choosing income protection insurance
To talk about income protection insurance and the significant benefits this type of insurance can offer, we spoke with our senior insurance adviser, Tony McCombs.
Building emergency funds and the role of income protection
Life can be unpredictable, which is why it’s so important to be prepared for unexpected challenges. Building an emergency fund and having income protection cover are two key strategies that can provide you and your loved ones with a financial safety net.
