Personal Insurance:
Income Protection
Stay Financially Secure, Even If You Can’t Work.
Income Protection in the Bay of Plenty
Your ability to earn an income is one of your biggest assets - and if you couldn’t work due to illness or injury, how would you continue to pay the mortgage, groceries, or school fees? Income Protection Insurance is designed to help people across Tauranga, Mount Maunganui, and the wider Bay of Plenty maintain their lifestyle if they suddenly find themselves unable to work.
This insurance pays you a monthly benefit to replace a portion of your income, giving you breathing room to focus on recovery without the added stress of financial pressure. It’s especially useful for the self-employed, contractors, and sole traders, many of whom don’t have access to sick leave or ACC coverage for illness.
Whether you're a tradie in the Mount, a consultant working from home in Bethlehem, or commuting into Tauranga CBD, having an income safety net means you won’t have to rely on savings or debt to get through a tough patch. Let us help you find the right policy with flexible options that reflect your work style and income.
Income Protection Insurance FAQs
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Income protection insurance replaces part of your income if you’re unable to work due to illness or injury. It helps cover your regular living expenses while you recover.
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Policies typically cover between 70% to 80% of your pre-tax income, up to an agreed maximum. This helps maintain your lifestyle if you can’t earn for a period.
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You can choose how long the benefit period lasts — commonly 2 years, 5 years, or until retirement age. The longer the benefit period, the higher the premium.
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If you rely on your income to cover mortgage payments, bills, and living costs, income protection can be vital financial security. It ensures you don’t have to rely solely on savings or government support if you’re off work long-term.