INCOME PROTECTION INSURANCE NEW ZEALAND.

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Safeguard Your Income.

At Insurance Design, we help Auckland and New Zealand residents protect their most important asset: their income. Income Protection Insurance provides a monthly benefit if you are unable to work due to illness or injury, ensuring that you and your family can maintain financial stability during difficult times.

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Whether you are a self-employed professional, business owner, or salaried employee, income protection cover helps you meet living expenses, mortgage repayments, and everyday costs, giving peace of mind when life takes an unexpected turn.

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What is Income Protection Insurance?

Income Protection Insurance (also called Salary Continuance Insurance) replaces a portion of your regular income if you are

temporarily or permanently unable to work due to illness, injury, or disability.

Key features include:

• Payments of up to 75% of your gross income

• Benefits paid until recovery, retirement, or policy expiry

• Coverage for disability caused by illness or injury

• Optional extras, such as agreed-value cover for self-employed professionals

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Income Protection Insurance is ideal for Auckland and NZ residents who rely on their income to support themselves, their families, and their financial commitments.​

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Why Auckland and NZ Residents Need Income Protection

Living costs in Auckland and across New Zealand are high, and losing your income unexpectedly can put your family and lifestyle at risk. Income Protection Insurance ensures:

• Mortgage and rent repayments continue uninterrupted

• Bills and living expenses are covered

• You can maintain lifestyle and financial security for your family

• Business owners can continue operations while recovering

• Peace of mind for self-employed professionals and employees​

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Types of Income Protection Insurance

• Indemnity Cover

  • Pays a benefit based on your actual income at the time of claim

  • Payouts may vary if your income changes

  • Suitable for employees with a stable salary

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• Agreed-Value Cover

  • Pays a pre-agreed benefit regardless of current income

  • Ideal for self-employed individuals or business owners

  • Provides certainty for financial planning in Auckland and NZ

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How Income Protection Insurance Works in Auckland & New Zealand

1. Determine your coverage amount
   Typically 45% - 75% of your gross income.
    

2. Select waiting and benefit periods
   Choose how long before benefits start and how long they continue.
    

3. Apply and undergo assessment
   Some policies require health checks or financial evidence.
    

4. Pay regular premiums
   Flexible monthly or annual options are available.
    

5. Receive benefits when needed
   Monthly payments help cover living costs, mortgage repayments, and other essentials.

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Insurance Design works with Auckland and New Zealand residents to tailor income protection policies that meet your financial needs and lifestyle goals.

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Benefits of Income Protection Insurance

• Financial security during illness or injury

• Maintain mortgage, rent, and bills

• Protect family lifestyle and wellbeing

• Peace of mind for self-employed professionals

• Optional add-ons, such as trauma or life insurance, for comprehensive protection

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Who Should Consider Income Protection Insurance in Auckland & NZ

• Self-employed professionals and business owners in Auckland and NZ

• Employees with a family depending on their income

• Homeowners with mortgages or significant debts

• High-income earners looking to protect lifestyle and savings

• Anyone seeking financial security in case of illness, injury, or disability