PERSONAL, FAMILY AND BUSINESS RISK AND MEDICAL INSURANCE IN AUCKLAND AND THROUGHOUT NEW ZEALAND
Income Protection
What if your income stopped tomorrow?
An illness or injury could prevent you from working for weeks, months, or even longer. Income Protection Insurance gives you regular monthly payments so you can continue covering your mortgage, rent, bills, and other essential living costs—even when life doesn’t go as planned.
Why Income Protection Matters
Your income is your most valuable asset. Without it, how would you:
Pay your mortgage or rent?
Cover household bills or groceries?
Protect your family’s standard of living?
Income Protection helps you avoid financial stress so you can focus on recovery—not survival.
What Makes Immerse Life Different?
We don’t just sell policies—we guide purpose-led families and professionals toward peace of mind and legacy building.
Faith-Driven Advisors who truly care
Tailored Financial Protection for every season of life
Expertise You Can Trust—from people who walk with you
What’s Covered in Your Plan
Monthly Payments if You Can’t Work
Receive up to 75% of your income if you're temporarily or permanently unable to work due to illness, accident, or disability.
Flexible Plan Options Based on Your Needs:
Agreed Value – Know exactly what you’ll be paid at claim time
Indemnity – Based on your earnings at the time of the claim
Loss of Earnings – Choose whichever payout is higher
Mortgage & Income Protection (MIP) – Simple, effective, and doesn’t reduce if you’re getting ACC payments
Optional Redundancy Cover
If you're made redundant (not just sick or injured), get up to 6 months of support payments to keep you financially stable while you transition.
Did You Know?
Every day, 24 New Zealanders suffer a stroke.
1 in 4 of them is under age 65.
Around 20,000 Kiwis are diagnosed with cancer each year.
You don’t plan to get sick—but you can plan to stay protected.
