Income protection cover.

Income protection cover.

Income protection helps cover bills, expenses, and more.

What is Income protection cover?

Who likes to think about not having money? That’s right, nobody. Yet when it comes to Income protection cover, lots of people look the other way. It’s too hard. Too fussy. And too expensive, right? Wrong! If you're working and you get sick, it’s better to have a plan in place. Not because we think you’ll starve, but because you owe it to yourself to protect the stuff you’ve worked so hard for.

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  • Entry age is from age 16 to 59 (age 55 for ‘to age 70 benefit’).
  • Your insurance ends at age 65 unless the benefit is to age 70, if you keep paying your premium.
  • You can pay fortnightly, monthly, quarterly, half-yearly or yearly.
  • You can choose to help protect your cover against inflation by having the amount you’re insured for increase each year.
  • You can set the amount you’d like to be paid each month up to a max of 75% of your usual income (up to a maximum of $30,000 if you earn that much!) Be aware that this is subject to financial and medical checks.
  • There are two types of payments; age-rated payments which are fixed for one year at a time, and normally increase in line with age, OR level term payments which are fixed for the life of the policy.
  • We always recommend chatting with an adviser about the right insurance for you.
Read our Income protection cover customer brochure.

More about Income protection cover.

  • What is it?
  • Why should you have it?
  • What’s the deal?
  • Anything else?
  • Got proof?

What is it?

If you get hit up by an illness or injury that leaves you unable to work, our Income protection gives you up to 75% of your usual income (up to $30,000 per month if you're lucky enough to earn that much) to make things easier.

Why should you have it?

Mortgage. Rent. Phones. Electricity. Food. Petrol. Kids. There’s a heck of a lot of expense in just looking after the basics. And if you can’t go to work, the bills don't magically stop. This is when you need cash support most.

What’s the deal?

You pay an amount of money (called a ‘premium’) for a policy. The policy is a contract so you know exactly what we’ll pay out for. As long as you keep paying for your insurance with us, and the policy terms and conditions have been met, we’ll pay out for everything we agreed.

Anything else?

As well as cash help, we could also help get you back to work sooner with rehabilitation support.

Got proof?

Yep. Every year in NZ, about 55,000 people have an illness that means they can’t work for three months or more1. Proof that ‘it’ll never happen to me’ happens a lot more than you think.

Life insurance 101 guide.

Visit our easy-to-read and plain-English life insurance 101 guide, to help you learn about what protection you might need.

Discover more.

Questions? Start here.

We’ve compiled a list of the most commonly asked questions about this cover.
For a good overview of the ins and outs, it’s worth reading the info sheet.

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Get in touch.

It’s easy! Drop us a line and an adviser will get hold of you for a no-obligation chat.

Get started.

Why choose Fidelity Life.

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* Fidelity Life has an A- (Excellent) financial strength rating from A.M. Best. The rating scale that this rating forms part of is available for inspection at our offices. For more information please visit Fidelity Life's financial strength page.

1 – ‘How long could you survive without an income?’

Disclaimer – the information contained in this webpage is a summary of the key points of this insurance policy and is general in nature. It is not, and is not intended to be, a policy document.

Details of definitions, benefits, standard exclusions/limitations, terms and conditions are contained in the full policy documentation which is available from your financial adviser. Please refer to current policy documents for specific details. This webpage does not provide a personalised financial advice service.