MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Cove Car Insurance - Real Customer Reviews & Facts
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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Compare Income Protection Insurance

​Compare and save on income protection insurance with MoneyHub. We help you find the right policy to protect you and your family, providing all the information you need to make an informed choice and save money.
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Income Protection Insurance NZ
Updated 2 July 2025
Summary
  • 1 in 7 New Zealand households face income loss from illness, leaving families struggling to pay bills - don’t let this happen to you.
  • Income protection insurance ensures financial security if you can’t work due to injury or illness.
  • This guide helps you find the best policy, from understanding costs to making claims. We suggest comparing quotes with LifeDirect to secure your family’s future without overpaying.

Do you need income protection insurance?​ To answer, ask yourself:
  1. If something happened to force you to stop work, could you survive on sick pay and/or savings?
  2. How long would you be able to survive without an income?

If your financial situation would deteriorate without an income, considering an income protection insurance policy is a good idea. To make sense of the pros, cons and costs of income protection insurance, our guide covers:
  • What is income protection insurance?
  • ​Understanding ACC vs income protection insurance
  • Other types of insurance worth considering
  • Must-Know Income Protection Insurance Facts
  • Best Income Protection Insurance Policies (for company employees and anyone self-employed)
  • Making a Claim on an Income Protection Insurance Policy
  • Frequently Asked Questions
  • Buying an Income Insurance Policy - Balancing Price and Coverage​​

​Advertising Disclosure: MoneyHub may receive a payment if you make a purchase via our website. Such commercial arrangements have no influence on our independent reviews of financial products and we encourage all readers to get numerous quotes before making any decision. Please refer to our advertising policy for more details.

Income Protection Insurance in a Nutshell - Our View:
  • Income Protection insurance costs vary widely between insurers, so comparing quotes is crucial for getting the best deal. Don’t go directly to an insurer without comparing other quotes to ensure you make an informed decision.
  • Everyone’s needs and expectations differ—some might want coverage for two years, while others prefer protection until retirement. The annual cost will also vary significantly based on your chosen payment amount.
  • We strongly suggest getting multiple quotes, and LifeDirect offers instant online quotes from multiple leading income protection insurers such as AIA, Fidelity, Chubb, Partners Life, and more—all with strong credit ratings, ensuring they’ll pay if or when you need to replace your income. Plus, LifeDirect handles claims by liaising with the insurer, making the process hassle-free for you.
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Compare Income Protection Insurance NZ

​What is income protection insurance?

  • If you can’t work due to illness or injury, income protection pays up to 75% of your income, paying out until you return to work, retire, or pass away—whichever comes first.
  • For example, a 35-year-old earning $80,000 might receive $5,000/month if sidelined by an injury, covering essentials like mortgage payments and bills.
  • Policies typically start after a waiting period (e.g., 4-8 weeks), which lowers premiums the longer you wait. Find out what you'll pay and how much you can get using LifeDirect’s comparison tool which can help find the right policy for your needs.

What does income protection insurance cover?
  • While each policy has its own terms, generally injuries and illnesses are covered, and these can be short or long term.
  • Income protection insurance is not the same as Critical Illness and Trauma Insurance, which pays out a one-off lump sum (usually between $20,000 to $300,000) if you are diagnosed with a covered illness, or suffer trauma such as a heart attack or stroke etc.

Income Protection Insurance NZ

​Understanding ACC vs income protection insurance

ACC is very specific in what it covers, and won't cover illnesses or anything that isn't an injury. If you have an accident and injure yourself, ACC will pay medical costs, physiotherapy treatment and up to 80% of the pre-injury salary is paid until you can return to work. But if the injury is complicated by a pre-existing condition, then all entitlements (care, recovery and compensation) may be denied.

Many New Zealanders are confused by what ACC covers and whether income protection insurance overlaps. Each provides very different benefits, even if they look similar.

Income protection insurance is far more extensive and doesn't discriminate on the cause of injury or illness.​ To make things clear, our ACC vs Income Protection guide outlines what you need to know.
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Income Protection Insurance NZ

Alternatives to income protection insurance that are worth considering

  • WINZ support - you will need to attend meetings and be assessed for work capability. If you are approved, the benefit level is between $100 and $200 a week.
  • Relying on savings and/or borrowing from friends or family - if savings run out during a period of illness or injury, relationships with friends and family may be strained if you need to borrow given your inability to pay the money back. 
  • Trauma and critical illness cover - many common conditions such as a back injury, depression or arthritis don't count as 'critical illness' and therefore won't pay out.
  • Life insurance - this pays out if you die or are diagnosed with a terminal illness only, so if you are away from work for six months with a bad back and don't have any other insurance, you would need to rely on your employer's sick pay and/or savings.
​
We believe trauma and critical illness and life insurance policies should be viewed as complements to income protection and not alternatives given they don't pay out for the same conditions.

Income Protection Insurance Compare NZ

Must-Know Income Protection Insurance Facts

Income Protection Insurance NZ

Your Payment Period will either be 'Short Term' or 'Long Term'

How long you will be paid by the insurance policy depends on the policy length. There are two types of policy terms:
  • Short term: You only get an income paid to you for a set term, such as 2 years or 5 years.
  • Long term: You get an income paid to you for as long as the policy allows, usually up to age 65 (retirement age) or 70.

The longer the payment period, the more expensive the policy (all other factors being equal). Picking the right payment period is not easy, and it involves balancing risk vs cost. In a simple example of a 30-year-old office worker, we found that increasing the payment period from 2 years to 5 years meant a 20% higher policy cost. Taking the payment period to 65 years of age doubled the policy cost.
Income Protection Insurance NZ

You must have an existing job to apply for income protection insurance

You can apply for an income protection insurance policy if:
  • You work in full-time employment
  • You work in part-time employment
  • You are self-employed

If you have pre-existing medical conditions, you can still apply - insurers may charge you more, and/or exclude any cover and claims related to your existing condition (and possibly related conditions)..
Income Protection Insurance NZ

The risk of developing an illness is higher than you think

According to a historical survey for the Financial Services Council NZ, 1 in 7 households in New Zealand have experienced a serious illness event over the past 5 years that resulted in an inability to work for 3 months or more and consequent loss of income.

If a serious illness event that resulted in the primary income earner being unable to work occurred, there is a significant effect on households’ ability to continue to pay their household expenses and maintain their lifestyle, once sick leave and annual leave ran out:
  • 20% of households would only be able to continue to meet their expenses for 1 week. 
  • Another 14% would be able to continue for 2 weeks.
  • By 4 weeks after sick leave and annual leave ran out, an overall 55% of households would be unable to pay all their expenses and maintain their lifestyle.

The survey showed that only 20% of households would be able to cope for more than 12 months, indicating that 80% of New Zealand households would be unable to keep on top of their bills. 

Income protection insurance protects against this risk by paying up to 75% of a policyholder's income until they can return to work, so there is far less disruption to their personal finances.
Income Protection Insurance NZ
Income Protection Insurance NZ

Understand that your ability to earn an income is your biggest asset

If you work for forty years and earn an average of $50,000 per year, you have the potential to earn around two million dollars. This is likely to be more valuable than any property you own. As such, protecting yourself against the inability to earn an income may seem sensible, but the decision to do so will come down to your age, profession, financial commitments and family situation.

For example, a young mother and father of two children are probably more likely to consider income protection insurance than someone in their 50s with a mortgage-free home.
Income Protection Insurance NZ

Self-employed workers pay more for cover, and have higher financially uncertainty in the event of an illness or accident

Unlike employees, anyone who is self-employed doesn't have the luxury of falling back on sick pay or the opportunity to return to work when they recover. Self-employed individuals are the business, and a long-term absence can have devastating effects on the viability of the business. 

Income protection insurance can significantly reduce the amount of financial stress for anyone self-employed working by themselves without co-workers to fall back on. ​
Income Protection Insurance NZ

Redundancy is usually not covered by an income protection policy

Some insurers may offer it as an optional add-on; it's not standard with most if not all income protection policies. The triggers are illness or injury only, not redundancy or any other restructuring at a workplace. Our guide to Redundancy insurance explains more.
Income Protection Insurance NZ

You can have more than one income protection policy, but it probably won't be cost-effective

With two policies, you may be able to get up to 150% of your salary paid as a benefit, but the ongoing cost is likely to be expensive. If you want to eliminate the worry of recovering within the set payout period (i.e. 2 to 5 years), choosing a policy which has benefits paid up to retirement is a safer bet. 75% of an income is significant and should cover essential costs while the public health system, or private health insurance, takes care of your treatment and recovery. 
Income Protection Insurance NZ

Income protection insurance won't pay out until your sick pay is finished

Some employers offer sick pay beyond the statutory requirement (5 days per year) and offer as much as 12 months at full pay. It's important to check with your employer what you're entitled to before choosing any insurance policy. Many policies won’t pay out if you’re still receiving a salary, so it's pointless insuring for to be paid out in 4 weeks if your company sick leave last up to 8 weeks. 

The longer you receive sick pay, the longer you can make your deferment period. This makes the policy cheaper as well.
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Income Protection Insurance Compare NZ

Best Income Protection Insurance Policies

How to save thousands on income protection insurance over your lifetime:
  1. Firstly, never go directly to an insurer first. You’ll pay full price and have nothing to compare with so it probably will not be the best deal.
  2. Instead, start with a comparison website like LifeDirect. They compare the latest prices from a number of insurers and aim to give the consumer all of the relevant information to make a decision. Trade Me Insurance confirms that prices shown on their LifeDirect website are the same rates offered by all insurance brokers, unless a special agreement has been reached. LifeDirect can also provide financial advice to help you tailor your insurance needs.
  3. If you have a specialist health condition and/or prefer to talk to someone directly, contacting LifeDirect and talking to one of their insurance advisors is a sensible step.

Our Quotes
  • We obtained 30 quotes from 5 insurers for two employment types, each requiring $100,000 of cover for both company employees and the self-employed, as outlined below.
  • While every policy is different in its specific terms, our Best Buys do indicate the range in price among insurers.
  • The results are below, and indicate a large variation in pricing.

Disclaimer: Specific Income Protection Insurance policies and their terms and conditions differ between insurers. We make no representation that the quotes below imply that the policies are the same in form and substance. Please review the policies in detail before making any decision.

Important:
  • While every policy is different, our Best Buys do indicate the range in price among insurers.
  • The results are below, and indicate a large variation in pricing. 
  • Quotes for AIA, Asteron, Chubb, Fidelity, PartnersLife were supplied by LifeDirect and found to be the same (or cheaper) than going direct to the respective insurer.

Company Employee Income Protection Insurance Policies

1) The Accountant/Office Worker, 35 Year Old Male, Non-Smoker
  • $100,000 Annual Salary ($6,250/Month payout - 75% of gross income)
  • 4 weeks claim wait period
Insurer
Annual Premium (2 Year Payment Period)
Annual Premium (5 Year Payment Period)
Annual Premium (Benefit Paid to Age 65)
Annual Premium (Benefit Paid to Age 70)
Financial Strength Ratings
Chubb
$799.11
$1,008.58
$1,510.33
$1,774.36
S&P Rating: AA- (Very Strong) 
Fidelity Life
$669.71
$798.19
$1,346.61
$1,432.84
A.M. Best Rating: A- (Excellent)
AIA
$786.09
$1,003.19
$1,531.20
$1,561.26
Fitch Rating: AA (Very Strong)
Asteron Life
$918.09
$1,130.06
$1,698.38
$1,707.56
S&P Rating: A (Strong)
Partners Life
$799.45
$987.33
$1,15.57
$1769.76
A.M. Best Rating: A-(Excellent)

Self-Employed Income Protection Insurance Policies

2) The Tradesman - Builder/Carpenter/Plumber, 35 Year Old Male, Non-Smoker
  • $100,000 Annual Salary ($6,250/Month payout - 75% of gross income)
  • 4 weeks claim wait period
Insurer
Annual Premium (2 Year Payment Period)
Annual Premium (5 Year Payment Period)
Annual Premium (Benefit Paid to Age 65)
Annual Premium (Benefit Paid to Age 70)
Financial Strength Ratings
Chubb
$1,359.49
$1,730.91
$2,620.59
Not Offered
S&P Rating: AA- (Very Strong) 
Fidelity Life
$1,189.14
$1,417.24
$2,391.04
$2,544.14
A.M. Best Rating: A- (Excellent)
AIA
$1,584.25
$2,051.57
$3,188.25
$3,254.34
Fitch Rating: AA (Very Strong)
Asteron Life
$1,519.22
$1,859.81
$2,856.66
$2,915.72
S&P Rating: A (Strong)
Partners Life
$1,342.60
$1,676.41
$2,792.54
$3,070.81
A.M. Best Rating: A-(Excellent)
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Income Protection Insurance How to Make a Claim

Making a Claim on an Income Protection Insurance Policy

If you have to stop work due to an accident or illness, claiming on your income protection insurance policy as soon as possible should be a priority. We've outlined the next steps:
  1. Contact your insurer - quote your name and policy number, and explain that you will be out of work for a long period due to the reason. 
  2. Continue to pay premiums during your claim - if you don't, your policy will be invalidated and your payouts will stop. You may have other more important bills, but keeping your insurance valid is essential.
  3. Send documents to support your claim - you'll need to provide a medical report, proof of income, e.g. payslips or a bank account statement
  4. Wait for the claim to be assessed - the insurer checks your situation against the policy. In some cases, they may ask for more information.  
  5. Accept or challenge the decision - the insurer will either accept your claim and pay you an income, pay a smaller income than what you insured for if your most recent income is lower, or reject your claim. If your claim is accepted, the insurer will keep in contact to check on your recovery progress. 
  
If your claim is rejected, there is other financial support available:
  1. Sick pay: The number of days you have in terms of a payout will depend on your employer's policy, how long you have worked for the organisation and how much you have taken already.  
  2. WINZ benefits: If you have to leave your job due to your illness, WINZ offers a number of options. 
 
Recovering, and Returning to work
  • While you receive treatment and recover, it's important to check in with your insurer and update them on your progress.
  • The insurer can assess the benefit you will receive if you want to return to work at a reduced number of days.
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Income Protection Insurance Compare NZ

Income Protection Insurance - Frequently Asked Questions

Do you need income protection insurance?

It depends on your personal financial situation. If you developed back problems or an illness like cancer and couldn't work, would you be able to cover your everyday bills and expenses? ACC does not cover lost income due to illness, and four out five long term absences from work are due to illness and not injury.

Cancer, heart attacks, strokes and ongoing back pain are all common issues which often result in long periods off work for recovery. Income Protection Insurance steps in to provide a regular amount of money until you are well enough to return to work. 

​It doesn’t matter whether or not you have children or other dependents – if a period of time off work means you couldn’t pay a mortgage and other bills, income protection insurance is well worth considering. If you have an employer, it's important to check your current sick leave benefits. If the limit is two weeks per year, then there is little safety net should you require more time off work. New Zealanders who are self-employed who don't have sick leave to fall back on are most at risk of being financially worse off should time off work be needed.

You might not need income protection insurance if:
  1. You could get by on your sick pay; some companies offer full pay at up to 12 months for illnesses, which could cover your immediate weekly costs. 
  2. You have sufficient savings to support yourself for at least 12 months
  3. You are near to retiring and can rely on KiwiSaver and government superannuation entitlements
  4. Your partner or family would support you financially while you treat your illness​

How much does income protection insurance cost?

The cost of a policy depends on your age, health, and the benefits of the policy. Generally, the more comprehensive the policy, the higher the cost. 
 
The exact cost of a policy is influenced by:
  • Your age
  • Your job and annual income
  • Your current health, weight and family medical history
  • Smoker or non-smoker, or have previously smoked
  • The percentage of your income you’d like to cover
  • The waiting period before the policy starts to make payments
  • The range of illnesses and injuries covered
  • The payment period you choose - i.e. two years, five years or up to 70 years of age.  ​

Is there any restriction of what income protection policy payments can be used for?

Quite simply, no. If your claim is successful, you will receive a lump sum or regular payment from your insurer. The money is yours to do what you want with it. Most common uses include: 
  • Paying bills - mortgage, credit cards, electricity and car expenses add up and are far more noticeable if you don't have an income
  • Recovery treatments or rehabilitation – you may want to undertake additional or alternative treatments not covered by either your health insurance or the public health system.
  • Childcare and home help
  • Repaying debt

Do I pay tax on income protection insurance payouts

In most cases, if you deduct the premium, the payout is taxable. If you don’t deduct it, the payout is tax-free. 

However, New Zealand's tax laws make it a little complicated. In the interests of trying to provide some guidance on the tax position of income protection insurance, we have outlined below our current understanding of the tax position. MoneyHub cannot and does not guarantee the correctness of this understanding, nor take any responsibility for any tax outcomes that may arise from any differences between our understanding as detailed below and the view of the Inland Revenue Department. In such matters, we always suggest individuals seek independent tax advice.

We understand, subject to the above disclaimer, that:
  1. If the income protection policy is for an Income Cover Agreed Value, for example, a policy pays a fixed sum of $2,500 per week if you're diagnosed with cancer (with the diagnosis being the trigger of the policy benefit, not the inability to work and loss of income), then this will be paid without being subject to tax. Generally, premiums payable for this Income Cover Agreed Value benefit are not tax-deductible and therefore claims proceeds received are not taxable as income. 
  2. If you make a tax deduction on a policy, we understand that any benefits paid during a claim become tax assessable. For example, it's very normal for self-employed policyholders to deduct the insurance expense against their taxable income, therefore making any claim payments automatically subject to tax.

What illnesses are covered by Income Protection Insurance?

Most policies cover a wide range of illnesses, including cancer, back pain, and mental health issues like depression, as well as injuries. Coverage varies by insurer, so it’s crucial to review policy terms for specifics. To get an idea, you can compare options with LifeDirect to ensure your policy meets your health needs.

Can self-employed workers get Income Protection Insurance?

Yes, but premiums are higher due to no sick pay fallback. A self-employed builder earning $100,000 might pay $1,189/year for a 2-year term vs $669 for an employee. Policies cover 75% of your income, helping you manage financial stress if illness strikes. Check your options with LifeDirect’s comparison tool.

How long does it take to get an Income Protection payout?

After your waiting period (typically 4-8 weeks, depending on your policy), payouts start within 1-2 weeks of claim approval. For example, if your waiting period is 4 weeks, you might receive your first payment in 5-6 weeks. LifeDirect can help streamline claims - get an instant quote.

Why are some insurers excluded from your comparisons?

When comparing life insurance, health insurance, and income protection insurance, you might notice some providers aren't featured. LifeDirect, our comparison partner, maintains strict standards for the insurers it works with.

Here's why certain companies aren't included:

Life & Income Protection
  • Bank-owned insurers - Banks now own insurance companies but don't offer products through independent advisers. Because the pricing isn't transparent, we don't compare them
  • Pinnacle (OneChoice) - We have excluded this company due to their financial strength rating and what we see as restrictive underwriting
  • Resolution Life - Closed to new business (existing customers only)
  • AA Life - Doesn't work with brokers, though we believe their products mirror Asteron's
  • SBS - Bank product using Chubb and is not available through third parties
  • Smaller/niche insurers - Funeral insurers and specialty providers are too small to be suitable for the wider New Zealand market.

Health Insurance
  • Unimed - Unimed doesn't work with third-party brokers for their main products, only through their Accuro brand. We believe their non-Pharmac drug coverage has significant limitations despite lower pricing. Accuro faced a major cyber attack that disrupted operations for a year, according to this media story.

Why This Matters: Independent advisers like LifeDirect can only recommend trusted insurers that:
  • Work with third-party brokers
  • Meet financial stability requirements
  • Offer transparent underwriting
  • Provide reliable ongoing service

Our View: This ensures you receive unbiased comparisons of quality providers who will be there when you need to make a claim.
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Income Protection Insurance NZ

Concluding Comments: Buying an Income Insurance Policy and Balancing Price and Coverage

  • Income protection insurance offers peace of mind—choose a policy that fits your needs: short-term (2-5 years) for temporary cover or long-term (to age 65) for lasting security. Balance price and coverage, avoiding policies with excessive exclusions.
  • With quotes varying widely (e.g., $600 to $3,000+ for $100,000 cover based on profession), comparing insurers like AIA, Fidelity, and Chubb Life is key.
  • When it comes to getting the best insurance, it's a balance of price and coverage. Don't be tempted by a cheap policy with a lot of exclusions - life is unpredictable, and you want a policy that is clear to cover you for as many different illnesses or accidents as possible. If in doubt about anything, talk to an insurance broker (such as LifeDirect, or anyone else trusted to assist) - they work with you to find the best policy to suit your situation. ​​
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Related guides
  • ACC vs Income Protection guide
  • Income Protection Insurance for Self Employed
  • Redundancy insurance
  • Mortgage repayment protection insurance
  • Life Insurance
  • Health Insurance
  • Trauma and Critical Illness Insurance
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      • Guides
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        • Guides
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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      • Health Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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      • Depositor Compensation Scheme (DCS) Explained
    • Savings
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Alternative Mortgage Options
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • NZCB Review
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  • KiwiSaver
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      • KiwiSaver Must-Know Facts
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      • What's My PIR?
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      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
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      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business
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    • Business Calculators & Resources
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    • Online Services
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    • For Startups
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  • MSD
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    • Working for Families Guide
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    • NZ Superannuation in a Nutshell
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    • Food Grants Guide
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  • Motoring
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
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      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Apple Watch Buying Guide
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    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
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  • Power
    • Compare Power Companies
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    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
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      • Genesis Energy Review
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      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
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