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Income Protection
Replaces your income if you are unable to work due to illness or injury.
Overview
Income protection insurance pays a monthly benefit — typically 75% of your pre-disability income — if illness or injury prevents you from working. In New Zealand, ACC covers work-related and accident-related injuries, but does not cover illness. Income protection fills this gap, ensuring you can meet your financial obligations if sickness keeps you off work for weeks, months, or even permanently.
Average Cost
From $80–$300/month depending on benefit amount, wait period, and occupation
Frequently Asked Questions
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