Income Protection Calculator

This Calculator helps you consider how much income protection insurance you may need to safeguard your family's future.

Answer questions, then press the big blue button.

Note: Sample figures are based on a working parent of a family of 4 with partner working part time. This is only a guide.

How much Income Protection do I need?


Ongoing Income


How Much Income Protection Can I Get?


Calc Now


The NZ Government and other organisations provide some support for accidents through ACC, and illness through Work and Income. A current sickness benefit starts at approx $145/ wk. For further information - see or

Click for more information on Income Protection Insurance.


This calculator is designed to estimate a monthly sum your family may need if you are totally disabled.

Availability of insurance cover is subject to acceptance and approval of a completed application.
This calculator does not constitute an offer of insurance.

Income Protection Quote Request Form

All Income Protection policies are specifically designed for each client. Your occupation, age, sex, smoker/non smoker and cover required will determine the premiums.

We will provide an emailed quote within 24 hours, based on the information provided in this form, or you may call us on 0800 2NZLIFE (0800 269543) during normal working hours for an immediate quote.

First name:
Smoked last 12mths:
Major tasks:
How many years self employed?
Current annual gross income: $
Income protection required/mo: $
Wait period:
Payment period:


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"class wonderful hope good increase"


  • Premiums increase annually on the policy anniversary and are a calculated rate for age.
  • Premiums and cover also increase each year if the CPI option (inflation adjustment) is selected.

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