When life throws the unexpected at you, how will you keep your income steady?
A serious illness or injury that leaves you permanently unable to work can have a profound impact on your life—and your finances.
Total and Permanent Disability (TPD) insurance provides a lump sum payment if you suffer a serious illness or injury that permanently prevents you from working. This type of cover is designed to support you financially when you’re unable to return to any work suited to your training, education, or experience.
The payout can help cover long-term living expenses, medical and rehabilitation costs, home modifications, or debt repayments—giving you financial security during a life-altering time.
TPD insurance is about safeguarding your future when a return to work is no longer possible.
Contact Oasis Insurance today to explore cover options tailored to your personal circumstances.
You can rely on us to clear your path forward
We know that navigating insurance policies can feel daunting. You might worry about exclusions, special conditions, or the premium loadings that may apply. Whether you’re considering life cover, disability insurance, or business interruption insurance, you need a partner who truly understands your personal situation and your business needs.
At Oasis Insurance, we simplify the complexities of income protection with tailored advice from experienced insurance advisers. Whether you’re seeking personal income protection, business income solutions, or a policy designed to keep your business running, we ensure your insurance remains in place when it matters most. We work with trusted providers to offer comprehensive options that suit your unique needs.
Our focus is on making sure you have the right insurance cover, providing peace of mind with benefit payments that help cover costs during tough times. From application approval to claim time, we guide you through every step with clarity and care, ensuring no detail is overlooked.
About Business Cover
TPD (Total and Permanent Disability) insurance provides a lump sum payout if you’re unable to work due to a serious injury or illness. This cover ensures you have the financial support you need to cover living expenses, medical costs, and other obligations if you’re permanently disabled and cannot continue your career. It offers peace of mind, knowing that your financial future is protected during such a challenging time. Contact me today to discuss how TPD insurance can be tailored to your specific needs and circumstances.
You can rely on us to clear your path forward
We know that navigating insurance policies can feel daunting. You might worry about exclusions, special conditions, or the premium loadings that may apply. Whether you’re considering life cover, disability insurance, or business interruption insurance, you need a partner who truly understands your personal situation and your business needs.
At Oasis Insurance, we simplify the complexities of income protection with tailored advice from experienced insurance advisers. Whether you’re seeking personal income protection, business income solutions, or a policy designed to keep your business running, we ensure your insurance remains in place when it matters most. We work with trusted providers to offer comprehensive options that suit your unique needs.
Our focus is on making sure you have the right insurance cover, providing peace of mind with benefit payments that help cover costs during tough times. From application approval to claim time, we guide you through every step with clarity and care, ensuring no detail is overlooked.
Secure today and protect tomorrow by contacting us
Peace of mind isn’t just a feeling—it’s knowing your family is covered, no matter what. With Oasis Insurance, you can move forward confidently, knowing that your family’s financial security is in good hands. Get in touch today to explore your insurance options and take the first step toward lasting peace of mind.
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Life insurance | NZ | Life cover | Protection in place
Frequently Asked Questions
What is income protection insurance?
Income protection insurance provides financial support by replacing a portion of your income if you’re unable to work due to illness or injury.
Why do I need income protection?
If you depend on your income to cover expenses like bills, mortgage payments, or daily living costs, income protection ensures you have financial stability while you recover.
Can income protection cover business expenses?
Yes, specific policies can include coverage for business expenses, helping self-employed individuals or start-ups maintain operations during unexpected disruptions.
What is a total disability benefit?
A total disability benefit provides payments when you are completely unable to work due to illness or injury, ensuring financial support during your recovery.
What is a partial disability benefit?
A partial disability benefit offers payments if you can return to work in a limited capacity but are unable to earn your full income.
How does key person income protection work?
Key person insurance protects businesses by covering lost income or expenses if a critical team member becomes unable to work.
Can self-employed individuals get income protection?
Yes, income protection insurance is available for self-employed individuals, offering tailored options to cover personal and business expenses.
What is start-up income protection?
Start-up income protection provides coverage designed for entrepreneurs, ensuring financial stability as they grow their business.
Does income protection include life insurance?
While income protection and life insurance are separate products, your adviser can help you tailor a package that includes both for comprehensive coverage.
How do New Zealanders make a claim on their income protection policy?
To make a claim, contact your insurer or adviser, provide the required medical and financial documentation, and follow the claims process outlined in your policy.
What support does income protection offer if I’m totally disabled?
Income protection, available from leading insurance companies like AIA, provides regular monthly payments to help with income replacement if you’re totally disabled and unable to work. These payments can cover personal expenses or help keep your business running, offering a crucial benefit to help cover costs during difficult times. While policies are general in nature, your insurance adviser can tailor a plan to suit your needs. Be aware that an application being approved may incur an additional cost, but the disability benefit ensures financial stability when you need it most.
How can an adviser help with income protection?
An adviser ensures you get the right income protection cover to suit your needs, guiding you through the process and tailoring your policy for maximum benefit.
How can income protection help me and my business in New Zealand?
Income protection, available from trusted insurance providers like AIA New Zealand Limited and Asteron Life, offers regular monthly payments to replace income if you’re unable to work due to a related illness or injury. This type of insurance can help cover costs like your personal expenses or business continuity needs, ensuring that a key person in your business or your family is financially supported. Policies may include exclusions and premium loadings, so it’s important to refer to the policy wording for full details.
An experienced insurance adviser can provide tailored financial advice, ensuring your policy suits your specific insurance needs. While sick leave and lump-sum payouts can offer short-term relief, income protection ensures long-term security. Be mindful that loadings may apply, and additional costs could arise depending on your situation, but with the right policy, income protection may be the key to keeping your financial plans intact during challenging times.
Do I need income protection insurance?
If you rely on your income to maintain your lifestyle or support your family, income protection insurance offers peace of mind and financial security.
What is income protection insurance?
Income protection insurance provides financial support by replacing a portion of your income if you’re unable to work due to illness or injury.
Why do I need income protection?
If you depend on your income to cover expenses like bills, mortgage payments, or daily living costs, income protection ensures you have financial stability while you recover.
Can income protection cover business expenses?
Yes, specific policies can include coverage for business expenses, helping self-employed individuals or start-ups maintain operations during unexpected disruptions.
What is a total disability benefit?
A total disability benefit provides payments when you are completely unable to work due to illness or injury, ensuring financial support during your recovery.
What is a partial disability benefit?
A partial disability benefit offers payments if you can return to work in a limited capacity but are unable to earn your full income.
How does key person income protection work?
Key person insurance protects businesses by covering lost income or expenses if a critical team member becomes unable to work.
Can self-employed individuals get income protection?
Yes, income protection insurance is available for self-employed individuals, offering tailored options to cover personal and business expenses.
What is start-up income protection?
Start-up income protection provides coverage designed for entrepreneurs, ensuring financial stability as they grow their business.
Does income protection include life insurance?
While income protection and life insurance are separate products, your adviser can help you tailor a package that includes both for comprehensive coverage.
How do New Zealanders make a claim on their income protection policy?
To make a claim, contact your insurer or adviser, provide the required medical and financial documentation, and follow the claims process outlined in your policy.
What support does income protection offer if I’m totally disabled?
Income protection, available from leading insurance companies like AIA, provides regular monthly payments to help with income replacement if you’re totally disabled and unable to work. These payments can cover personal expenses or help keep your business running, offering a crucial benefit to help cover costs during difficult times. While policies are general in nature, your insurance adviser can tailor a plan to suit your needs. Be aware that an application being approved may incur an additional cost, but the disability benefit ensures financial stability when you need it most.
How can an adviser help with income protection?
An adviser ensures you get the right income protection cover to suit your needs, guiding you through the process and tailoring your policy for maximum benefit.
How can income protection help me and my business in New Zealand?
Income protection, available from trusted insurance providers like AIA New Zealand Limited and Asteron Life, offers regular monthly payments to replace income if you’re unable to work due to a related illness or injury. This type of insurance can help cover costs like your personal expenses or business continuity needs, ensuring that a key person in your business or your family is financially supported. Policies may include exclusions and premium loadings, so it’s important to refer to the policy wording for full details.
An experienced insurance adviser can provide tailored financial advice, ensuring your policy suits your specific insurance needs. While sick leave and lump-sum payouts can offer short-term relief, income protection ensures long-term security. Be mindful that loadings may apply, and additional costs could arise depending on your situation, but with the right policy, income protection may be the key to keeping your financial plans intact during challenging times.
Do I need income protection insurance?
If you rely on your income to maintain your lifestyle or support your family, income protection insurance offers peace of mind and financial security.