types of personal insurance
Income protection insurance advice
Your ability to earn an income is one of your most valuable financial assets.
If illness or injury prevents you from working, income protection insurance can provide regular payments to help cover your living costs and financial commitments while you recover.
At CM Financial Advisers, we help individuals, families, and business owners across New Zealand structure income protection cover that safeguards their lifestyle and financial stability.
What is income protection insurance?
Income protection insurance provides regular monthly payments if you are unable to work due to illness or injury.
These payments are designed to help replace a portion of your lost income so you can continue to cover:
- Mortgage or rent payments
- Household expenses
- Utilities and insurance
- Groceries and daily living costs
- Family commitments
This allows you to focus on recovery without the immediate pressure of financial strain.
How income protection works
Most income protection policies in New Zealand will:
- Replace up to around 75% of your pre-tax income
- Pay monthly benefits while you are unable to work
- Continue payments until you return to work or reach the end of the benefit period
Policies are designed to provide support during both short-term and long-term recovery depending on the structure selected.
Useful income protection insurance articles
Explore our articles and guides:
Ready to protect your income?
Your ability to earn an income supports your home, lifestyle, and long-term plans.
Contact CM Financial Advisers today for personalised income protection advice and a confidential insurance review.
Protection that supports your financial future.