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Personalised Strategies for Business and Personal Insurance
Located in Dunedin and Central Otago | All enquiries welcome

If you faced an unexpected illness or injury, could you afford to meet all your financial outgoings?

With the right income protection insurance, you can be confident your regular expenses — like mortgage payments, power bills, and everyday living costs—are covered while you focus on recovery. Even if you have savings, having an income safety net gives you peace of mind and protects your long-term financial well-being.
Talk to Insure Otago to find the income protection cover that fits your needs. Get in touch today to book your free consultation.

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Insure Otago can advise on income or mortgage protection insurance policies that help support you financially

  • Income and mortgage protection insurance provides regular monthly payments if you’re unable to work and/or cannot meet your repayment commitments
  • Often includes access to rehabilitation and support services to help make your recovery easier
  • Depending on the policy, it may also be able to pay in addition to other benefits you may receive, such as ACC entitlements and investment income
Income protection insurance is a vital piece of insurance cover to have, especially when you have significant financial commitments such as a home loan

What is income and mortgage protection insurance?

Income and mortgage protection insurance pays a regular monthly payment to replace some of your income if you suffer an injury or illness that prevents you from working. In the case of injury, these payments may not impact any compensation from ACC that you may be entitled to. You get to choose where the funds are directed, whether it is towards a mortgage, education costs, or general living costs like groceries and utilities.
Specific policies can also provide additional financial support to help with access to specialist care and rehabilitation services, plus benefits like lump sum payments for fractures and the diagnosis of major illnesses.

How does income protection insurance work with other insurances?

Income protection insurance is usually intended to complement other insurance policies you may have in place, such as mortgage protection or total permanent disability cover.
Depending on the provider, elements of these policies can be included as additional benefits. This is where your Insure Otago advisor comes in, as they can help guide you through what combination of policies and benefits is appropriate for your current situation.

Why get income and mortgage protection insurance?

While we’re often encouraged to save some money to put aside for when the unexpected happens, we all know that can be difficult to do in reality.
If you’re injured or become ill and can’t work for an extended period of time, any savings you have might not last as long as you’d initially hoped, especially if a family member also needs to take time away from work to care for you.

How Insure Otago can help...

Your Insure Otago adviser is independent, so they can advise on the best strategy for your unique financial situation. Your Insure Otago advisor will provide clear advice on whether income protection insurance is appropriate for your situation. Get in touch today.
Personalised Solutions for Business and Personal Insurance
Located in Dunedin and Central Otago | All enquiries welcome