Income Protection helps replace your income when sickness or injury gets in the way, giving you breathing space to rest, recover, and keep life running.
Your income supports everything, from the essentials to the extras that make life good. If illness or injury means you can’t work for a while, Income Protection could help replace your pay so the bills still get paid and your plans stay on track.
At Cover First, we make Income Protection simple, flexible, and tailored to your lifestyle, so you can focus on recovery, not your bank balance.
When you can’t work, things shouldn’t get harder. We make sure your cover is simple, flexible, and easy to understand, so you can focus on getting better, not on paperwork or policy wording.
Our partners guide you through every step, helping you choose a plan that fits your budget and your life.
Your work, income, and lifestyle are unique, so your cover should be too. Our partners help tailor an Income Protection plan that fits your needs and budget, with flexibility to change as life does.
If illness or injury puts you out of action, Income Protection can help keep your finances steady. It replaces your pay so the bills get paid and life keeps ticking while you recover.
Get expert guidance on flexible cover that fits your income, lifestyle, and goals and know you’ve got backup when you need it most.
We are able to find the insurance cover and policies you need, and the ones you don’t, across the insurance market. Don’t get stuck with just one provider.
We get it – talking about lost income isn’t exactly exciting, but understanding how Income Protection works can make a huge difference when you need it most.
Income Protection helps replace your income if you can’t work because of illness or injury.
It’s designed to cover your regular expenses so you can focus on recovery, not catching up on bills.
It varies by policy. Some cover a few months, others until you’re well enough to return to work. We’ll help you understand your options so you know exactly what’s covered and for how long.
Yes, most policies have a waiting period, usually between 2 and 8 weeks.
Choosing the right timeframe affects your premium, so it’s worth discussing what fits best with your savings and situation.
Generally, Income Protection focuses on illness or injury. Some providers offer redundancy add-ons, and our partners can help you explore whether that’s right for you.
In most cases, yes. Many self-employed Kiwis rely on Income Protection for stability when they can’t work. Our partners can tailor a plan around your income and business setup.
We get it – talking about lost income isn’t exactly exciting, but understanding how Income Protection works can make a huge difference when you need it most.
“Provided exceptional service, making insurance easy to understand and tailored to my needs”
Tom F.
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