Protecting your lifestyle

Mortgage and Income Protection insurance

Your ongoing income is by far your most valuable asset – but most people focus more on physical stuff, like car, house and contents.

So, imagine for a second – what would happen to you and your family if your income suddenly disappeared? Income and mortgage protection are about making sure you can keep your lifestyle going, even if you can’t earn because you’re sick or injured.

Depending on the size of your mortgage, your monthly income, and your family situation, you may need income protection, mortgage protection, or a combination of the two.

Income protection

With income protection you’ll get money coming in every month. It’ll usually kick in after you’ve been out of action for a while – 3-6 months is a pretty common stand-down range.
How much you get each month will depend on your policy and your usual income – it probably won’t match your entire income, but should cover your main expenses so you can keep your household going.

Mortgage protection

If you have a mortgage, payments probably make up a significant portion of your monthly bills. Mortgage protection covers those payments, or rent if you don’t own your home.
It’s only activated after you’ve been off work for a bit, and it can last anywhere from two years to until you’re retired. Most policies will also cover your mortgage if you die, so your family doesn’t have to struggle with payments.
Protect your biggest asset – you. Get in touch with us to talk about income and mortgage protection today.

Protect your biggest asset – you. Get in touch with us to talk about income and mortgage protection today.

Call us to talk to the team now 0800 356 288

You can find us at Level 1, 2/11 Brays Rise, Onehunga. Auckland
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