For working New Zealanders
If illness stopped you working, how long would your money last?
ACC doesn't cover illness. Income protection does. Answer a few quick questions and see what protecting your income could look like.
Free · No obligation · Takes about 2 minutes
Important: The ACC Illness Gap
ACC covers accidents only. It does not cover illness such as cancer, heart attack, stroke, diabetes, mental health conditions, chronic fatigue, autoimmune diseases, or any non-accidental condition that prevents work.
Statistics NZ research suggests 1 in 4 working-age New Zealanders will face a serious illness before retirement. Without income protection, most of these people have no income replacement at all for illness-related absences beyond their sick leave entitlement.
A regular monthly benefit, paid while you can't work
Income protection doesn't pay a one-off lump sum — it pays you a regular monthly benefit, typically around 75% of your usual income, landing in your account like a salary. Rent, mortgage, groceries and power bills keep getting paid while you focus on getting well.
Payments continue for your chosen benefit period — from two or five years right through to age 65 or 70 — for as long as illness or injury keeps you off work. A longer benefit period costs a little more but protects you against the worst case: a condition that never lets you return to your job.
Why income protection is right for you
Your income is your biggest asset
Earning $75,000 a year for 30 years is over $2 million of income. Most people insure their car and house, but not the pay cheque that funds both.
Sick leave runs out fast
Most employees get 10 days of sick leave a year. A serious illness can keep you off work for months — the gap is yours to fund.
It covers what ACC doesn't
Cancer, heart attack, stroke, mental health conditions — none of these are covered by ACC. Income protection is built for exactly these situations.
Premiums may be tax-deductible
For many policies, especially if you're self-employed, premiums can be tax-deductible. Your adviser can confirm what applies to you.