What Is Income Protection?
Protect the Income You Work Hard to Earn
Income protection insurance is designed to provide regular payments if you’re unable to work because of illness or injury, subject to your policy terms. It can help you continue meeting important financial commitments while you recover.
Whether you’re employed, self-employed or running your own business, protecting your income can help provide greater financial confidence during unexpected situations.
- Regular monthly benefit payments
- Help cover mortgage and living expenses
- Support financial stability during recovery
- Flexible policy options
- Advice tailored to your circumstances
Who Can Benefit
Who Should Consider Income Protection?
If your lifestyle depends on your ability to earn an income, income protection insurance may be worth considering as part of your overall financial plan.
01
Employees
Help replace part of your income if you’re temporarily unable to work.
02
Business Owners
Support your personal finances while focusing on recovery.
03
Self-Employed
Protect your income when you don’t have employer-paid leave benefits.
04
Families
Help maintain financial stability and support your household’s everyday needs.
Why Clients Choose Us
Trusted Advice. Proven Experience. Lasting Protection.
Our commitment to personalised advice and exceptional service has helped thousands of clients secure insurance solutions that provide greater financial confidence when life takes an unexpected turn.
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Simple Process
How Income Protection Insurance Works
Getting income protection is straightforward. We’ll help you understand your options and choose cover that suits your financial needs.
STEP 1
Talk With Us
Discuss your occupation, income, financial commitments and protection goals.
STEP 2
Compare Policies
Review available insurers, waiting periods, benefit periods and policy features.
STEP 3
Select Your Cover
Choose an income protection solution that fits your lifestyle and budget.
STEP 4
Stay Protected
If illness or injury prevents you from working, your policy may provide regular payments according to its terms.
Real-Life Situations
When Income Protection Can Make a Difference
Unexpected Illness
If illness prevents you from working, regular benefit payments may help cover everyday expenses while you recover.
Recovery After Injury
Take the time you need to recover without worrying about meeting your monthly financial commitments.
Supporting Your Family
Help maintain your household's financial stability while you're temporarily unable to earn an income.
Mortgage & Living Costs
Income protection may help you continue paying your mortgage, rent and household bills during recovery.
Key Benefits
Financial Confidence During Recovery
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Regular Income Receive ongoing payments that may help replace part of your income while you're unable to work.
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Keep Up With Expenses Help cover mortgage repayments, rent, utilities and household costs.
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Focus On Recovery Reduce financial pressure so you can concentrate on your health and returning to work.
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Flexible Cover Choose waiting periods and benefit periods that suit your needs.
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We highly recommend you to anyone looking for a helpful and reliable mortgage broker! 🏡❤️Posted on Google Sanjay GoundarTrustindex verifies that the original source of the review is Google. I recently completed my full refinance and first-home-buyer journey, and I had the privilege of working with Rajat & Mohit from All Season Mortgage Brokers,Auckland Throughout the entire process Rajat and Mohit were exceptional from start to finish. They handled every step with efficiency, clarity, and genuine care, making what could have been a stressful financial transition feel smooth and well managed. They took the time to understand my situation in detail and provided clear guidance at every stage. Their communication was prompt, professional, and reassuring, and they both consistently went the extra mile to ensure everything was completed correctly and on time. I felt supported, informed, and confident in every decision because of their knowledge, expertise, and dedication. If you’re looking for mortgage advisers who are knowledgeable, reliable, and genuinely committed to helping you achieve the best possible financial outcome, I highly recommend Rajat & Mohit at All Season Mortgage Brokers. Their service has been outstanding, and I’m genuinely grateful for all their help and support throughout the process. Highly recommended! ⭐⭐⭐⭐⭐Posted on Google Samriti DawarTrustindex verifies that the original source of the review is Google. I highly recommend anuj ,he made the entire mortgage process incredibly smooth and stress-free for us As a first home buyer, I had plenty of questions, but anuj was always patient, knowledgeable, and professional. He secured an excellent rate for me and kept me updated every step of the way. If you need a reliable and hardworking mortgage broker, please contact with anuj Thanks once again for ur excellent service ☺️Posted on Google Shamsher HundalTrustindex verifies that the original source of the review is Google. We used The Mortgage Broker (Rajat Aggarwal) for our first home we’ve recently just bought. Rajat couldn’t have been more helpful, excellent service and communication, was always at the other end of the phone for any questions and queries we had, always put our mind at ease and explained everything thoroughly. We would recommend this company for anyone planning on purchasing their first home . Thanks All season Mortgage (Rajat Aggarwal)Posted on Google Keval PatelTrustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐ We had an amazing experience working with Shubham Bhai and Rajatbhai throughout our home loan journey. From the very beginning, they were professional, knowledgeable, and genuinely committed to helping us achieve our dream of buying our first home. They guided us through every step of the mortgage process with patience, explained everything clearly, and were always available to answer our questions. Their dedication, transparency, and excellent communication made the entire process smooth and completely stress-free. What truly sets Shubham Bhai and Rajatbhai apart is their genuine care for their clients. They went above and beyond to secure the best possible outcome for us and ensured everything was handled efficiently from start to finish. We are incredibly grateful for all their hard work and support. If you’re looking for honest, reliable, and highly experienced mortgage advisers, we wholeheartedly recommend Shubham Bhai and Rajatbhai. Thank you both for your exceptional service and for making our dream of homeownership a reality!Posted on Google kiran kumarTrustindex verifies that the original source of the review is Google. Highly recommend Rajat brother for anyone looking for a mortgage broker! Rajat was professional, responsive, and took the time to explain everything clearly. He worked hard to get me the best deal and made what can be a complicated process feel easy. Really appreciate his support and dedication—definitely a 5-star experience!Posted on Google Dion RitchieTrustindex verifies that the original source of the review is Google. I had an excellent experience working with Mohit Sharma from All Seasons Mortgage. He is knowledgeable, professional, and genuinely cares about achieving the best outcome for his clients. His advice on restructuring my mortgage will save me money in the long run and he made the entire process smooth and stress-free. Mohit was always approachable, even outside business hours and took the time to answer all my questions with patience and clarity. I highly recommend him to anyone looking to buy their first home or refinance their existing mortgage. You'll be in great hands!Posted on Google TuneIntoYourNurseTrustindex verifies that the original source of the review is Google. Rajat has been very helpful and very easy to approach. Whenever I have questions that comes up to mine & my husband’s mind, he addresses it with clear explanation.
START TODAY
Protect Your Income Before Life Takes an Unexpected Turn
Your income supports your lifestyle, your family and your financial goals. Let our experienced advisers help you compare income protection options and find cover that gives you greater confidence for the future.