Your income is your most important asset.

Have you protected it?

If you were unable to work tomorrow through illness, injury, or burnout, how long could your household keep going?

A week?
A month?

Most New Zealanders don't know.
Most also don't have a plan.

It takes 30 minutes to find out where you stand.

Know your gap. Protect your income. No obligation.

What most Kiwis believe, and what's actually true.

"ACC will cover me if I can't work"

ACC covers accidents only. Not illness. Heart disease, cancer, mental health conditions, and burnout are responsible for the vast majority of long-term absences from work. ACC pays nothing for any of these. If you're self-employed, there's no employer sick leave either. The gap is significant.

"It won't happen to me"

One in three New Zealanders will be diagnosed with cancer. Heart disease is the leading cause of death. Mental health conditions affect one in five people in any given year. The odds aren't as remote as most people assume, and the financial impact of six months off work is rarely accounted for.

"I'll manage on savings for a while"

The average New Zealand household has less than three months of expenses saved. Most mortgages, car payments, school fees, and insurance premiums don't pause while you recover. The gap between what you'd receive and what you'd need grows faster than most people expect.

"My employer will look after me"

Employer sick leave in New Zealand is ten days per year. After that, you're on your own unless you have a specific income protection policy in place. For self-employed people and contractors, there's no employer safety net at all.

The real question isn't whether it could happen.

It's what happens if it does.

The mortgage still needs paying

Your lender doesn't pause repayments because you're unwell. If you're the primary income earner, even a short absence can put your home at risk. Income protection can be structured to cover your mortgage repayments specifically.

The bills still arrive

Power, rates, insurance premiums, school fees, groceries. The fixed costs of running a household don't stop. Most families find their expenses are remarkably hard to cut quickly, even in a crisis.

The business still has costs

For self-employed people and business owners, the business may have rent, staff, equipment payments, and client commitments that continue even when you can't. Income protection for business owners needs to account for both personal and business exposure.

Your family still needs income

If you're not earning, someone else has to, or the family's standard of living drops. Income protection is about maintaining stability for the people who depend on you, not just covering your own costs.

The REAL Question

If something happened tomorrow:

Would your family inherit a farm...

Or a financial problem?