Income & Mortgage Protection & Accidental Injury

Protect Your Home and Income When Life Interrupts Work

Your income is what keeps everything moving; your home, your lifestyle, and your financial commitments. If illness or injury stops you from working, the pressure doesn’t pause. Mortgage or rent payments still need to be met, and everyday expenses continue.

Income and mortgage protection insurance provides regular payments if you’re unable to work due to sickness or injury, helping you keep your home and maintain stability while you recover. As an independent insurance broker based in Hawke’s Bay, we help clients across New Zealand put this cover in place in a way that’s practical, clear, and suited to real life.

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Income & Mortgage Insurance That Fits Your Life

Income and mortgage protection isn’t one-size-fits-all. The right setup depends on how you earn, what you need to protect, and how long you could manage without income.

We’ll help you work through decisions such as:

How much of your income needs replacing
Covering mortgage or rent payments during time off work
Waiting periods before payments begin
How long payments should last
How ACC and private cover work together

How accidental injury cover provides short-term financial support after an accident, helping you manage everyday costs while you recover.

Our role is to help you balance meaningful protection with affordability, so your cover supports you without putting unnecessary strain on your budget. We focus on protecting what matters most now, with flexibility to adjust as your income, responsibilities, or circumstances change.

This type of cover is especially important for homeowners, renters, self-employed professionals, and business owners who don’t have a safety net if income stops.

Book a Income & Mortgage Protection & Accidental Injury Insurance Consultation