{"id":20,"date":"2014-04-18T04:55:10","date_gmt":"2014-04-18T04:55:10","guid":{"rendered":"http:\/\/smartinsure.co.nz\/?page_id=20"},"modified":"2020-09-14T02:35:03","modified_gmt":"2020-09-14T02:35:03","slug":"life-insurance-nz","status":"publish","type":"page","link":"https:\/\/smartinsure.co.nz\/","title":{"rendered":"Home"},"content":{"rendered":"\n[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;section&#8221; module_id=&#8221;new-home-banner&#8221; _builder_version=&#8221;3.0.74&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;0px||0px|&#8221; custom_padding_tablet=&#8221;50px|0|50px|0&#8243; padding_mobile=&#8221;off&#8221;][et_pb_row make_fullwidth=&#8221;on&#8221; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; module_class_1=&#8221;home-banner-section&#8221; admin_label=&#8221;row&#8221; module_class=&#8221;home-banner&#8221; _builder_version=&#8221;3.19.15&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_slider admin_label=&#8221;Slider&#8221; _builder_version=&#8221;3.19.15&#8243; box_shadow_style=&#8221;preset6&#8243; box_shadow_blur=&#8221;10px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.1)&#8221; custom_padding=&#8221;|||&#8221; custom_padding_tablet=&#8221;|||&#8221; custom_padding_phone=&#8221;|||&#8221; show_inner_shadow=&#8221;on&#8221; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221;][et_pb_slide button_text=&#8221;Get a Free Quote Now&#8221; button_link=&#8221;#insurance-quote&#8221; use_bg_overlay=&#8221;off&#8221; use_text_overlay=&#8221;off&#8221; _builder_version=&#8221;3.19.15&#8243; header_font=&#8221;||||&#8221; body_font=&#8221;||||&#8221; background_color=&#8221;#ffffff&#8221; background_image=&#8221;https:\/\/smartinsure.co.nz\/wp-content\/uploads\/2020\/04\/covid-19-nz-life-insurance-banner.jpg&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;22&#8243; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#f7931e&#8221; button_border_color=&#8221;#ffffff&#8221; button_border_radius=&#8221;4&#8243; button_letter_spacing=&#8221;1&#8243; button_font=&#8221;Roboto||||&#8221; button_use_icon=&#8221;off&#8221; button_text_size_tablet=&#8221;22&#8243; button_text_size_phone=&#8221;22&#8243; button_letter_spacing_tablet=&#8221;1&#8243; button_letter_spacing_phone=&#8221;1&#8243; button_letter_spacing_hover_tablet=&#8221;1&#8243; button_letter_spacing_hover_phone=&#8221;1&#8243; button_text_color_hover=&#8221;#f7931e&#8221; button_border_color_hover=&#8221;#f7931e&#8221; button_border_radius_hover=&#8221;4&#8243; button_letter_spacing_hover=&#8221;1&#8243; button_bg_color_hover=&#8221;#ffffff&#8221; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;on&#8221; button_text_color__hover=&#8221;#f7931e&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;on&#8221; button_border_color__hover=&#8221;#f7931e&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;on&#8221; button_border_radius__hover=&#8221;4&#8243; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;on&#8221; button_letter_spacing__hover=&#8221;1&#8243; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;on&#8221; button_bg_color__hover=&#8221;#ffffff&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221;]<span class=\"banner-text\">Free Insurance Quotes, Expert Advice, Best Prices Guaranteed.<\/span>\r[\/et_pb_slide][\/et_pb_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;3.19.15&#8243; background_color=&#8221;#d3e1e5&#8243; custom_padding=&#8221;40px||40px|&#8221; custom_padding_tablet=&#8221;50px|0|50px|0&#8243;][et_pb_row custom_padding=&#8221;27px|0px|26px|0px|false|false&#8221; column_padding_mobile=&#8221;on&#8221; parallax_method_1=&#8221;off&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;3.0.48&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.19.15&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#222&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221;]<p class=\"home-text\" style=\"text-align: center;\">We provide you with quotes from all of New Zealand&#8217;s leading insurers and then give expert advice from qualified professionals to ensure you get the policy that best suits your individual circumstances.<\/p>\n<p class=\"home-text\" style=\"text-align: center;\">With the current COVID-19 pandemic, insurance becomes even more important please call us or go to our <a href=\"https:\/\/smartinsure.co.nz\/life-insurance\/covid-19-are-you-covered-by-life-insurance\/\">COVID-19 and Life Insurance<\/a> page for further details. Currently you can still get life insurance and income protection with no exclusions for COVID-19 with most companies.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;3.0.74&#8243; custom_padding=&#8221;20px||0px|&#8221; custom_padding_tablet=&#8221;50px|0|50px|0&#8243; padding_mobile=&#8221;off&#8221;][et_pb_row admin_label=&#8221;Row&#8221; _builder_version=&#8221;3.0.48&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.0.74&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221;]<h2>Why Choose Smart Insure?<\/h2>\r[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1300px&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;3.19.15&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.0.74&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;]<div id=\"rebate-button\">30%<br \/>\r\nRebate *<\/div>\r[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.0.74&#8243; text_font_size=&#8221;16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221;]<p>Use our service and we will give you an <strong>industry leading 30% rebate<\/strong> on your first years life insurance premiums. The average cashback amount is over $200. <strong>(*If the policy is cancelled in the first 24 months this needs to be fully refunded.) This is paid after 3 months of premiums are paid.<\/strong> Does not apply to Health Insurance)<\/p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.0.74&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221;]<div id=\"nz-owned-button\">100%<br \/>\r\nKiwi Owned<\/div>\r[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.0.74&#8243; text_font_size=&#8221;16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221;]<p>Smart Insure is run by insurance brokers who have more than 30 years industry experience and is 100% New Zealand owned and operated.<\/p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.19.15&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221;]<div id=\"support-button\">Ongoing<br \/>\r\nService<\/div>\r[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.0.74&#8243; text_font_size=&#8221;16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221;]Smart Insure provide ongoing support with a <b>high level of service<\/b> for assisting with all future claims.\u00a0We are <b>registered financial advisers<\/b> and are regulated by the Financial Markets Authority and belong to a disputes resolution service.\r[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1300px&#8221; custom_padding=&#8221;||0px|&#8221; padding_mobile=&#8221;off&#8221; column_padding_mobile=&#8221;on&#8221; parallax_method_1=&#8221;off&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;3.19.15&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.0.74&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;]<div id=\"home-insurers\">\r\n<ul class=\"insurers\">\r\n<li class=\"insurers\"><a href=\"https:\/\/smartinsure.co.nz\/our-insurers\/aia-insurance\/\" target=\"_blank\"><img src=\"\/wp-content\/uploads\/2015\/03\/insurer-logo-aia.jpg\" alt=\"AIA Logo\"><\/a><\/li>\r\n<li class=\"insurers\"><a href=\"https:\/\/smartinsure.co.nz\/our-insurers\/accuro-health-insurance\/\" target=\"_blank\"><img src=\"\/wp-content\/uploads\/2015\/03\/insurer-logo-accuro.jpg\" alt=\"Accuro Logo\"><\/a><\/li>\r\n<li class=\"insurers\"><a href=\"https:\/\/smartinsure.co.nz\/our-insurers\/amp-life-insurance\/\" target=\"_blank\"><img src=\"\/wp-content\/uploads\/2015\/03\/insurer-logo-amp.jpg\" alt=\"AMP Logo\"><\/a><\/li>\r\n<li class=\"insurers\"><a href=\"https:\/\/smartinsure.co.nz\/our-insurers\/asteron-life\/\" target=\"_blank\"><img src=\"\/wp-content\/uploads\/2015\/03\/insurer-logo-asteron-life.jpg\" alt=\"Asteron Life Logo\"><\/a><\/li>\r\n<li class=\"insurers\"><a href=\"https:\/\/smartinsure.co.nz\/our-insurers\/fidelity-life-insurance\/\" target=\"_blank\"><img src=\"\/wp-content\/uploads\/2016\/01\/LN-PO-BW.png\" alt=\"Fidelity Life Logo\"><\/a><\/li>\r\n<li class=\"insurers\"><a href=\"https:\/\/smartinsure.co.nz\/our-insurers\/nib-health-insurance\/\" target=\"_blank\"><img src=\"\/wp-content\/uploads\/2015\/03\/insurer-logo-nib.jpg\" alt=\"NIB Logo\"><\/a><\/li>\r\n<li class=\"insurers\"><a href=\"https:\/\/smartinsure.co.nz\/our-insurers\/onepath\/\" target=\"_blank\"><img src=\"\/wp-content\/uploads\/2015\/03\/insurer-logo-onepath.jpg\" alt=\"One Path Logo\"><\/a><\/li>\r\n<li class=\"insurers\"><a href=\"https:\/\/smartinsure.co.nz\/our-insurers\/partners-life\/\" target=\"_blank\"><img src=\"\/wp-content\/uploads\/2015\/03\/insurer-logo-partners-life.jpg\" alt=\"Partner Life Logo\"><\/a><\/li>\r\n<li class=\"insurers\"><a href=\"https:\/\/smartinsure.co.nz\/our-insurers\/southern-cross\/\" target=\"_blank\"><img src=\"\/wp-content\/uploads\/2015\/03\/insurer-logo-southern-cross.jpg\" alt=\"Southern Cross Logo\"><\/a><\/li>\r\n<\/ul>\r\n<\/div>\r[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Section&#8221; module_id=&#8221;insurance-quote&#8221; _builder_version=&#8221;3.19.15&#8243; background_color=&#8221;#d3e1e5&#8243; custom_padding=&#8221;20px||20px|&#8221; custom_padding_tablet=&#8221;50px|0|50px|0&#8243; padding_mobile=&#8221;off&#8221;][et_pb_row use_custom_width=&#8221;on&#8221; padding_mobile=&#8221;off&#8221; column_padding_mobile=&#8221;on&#8221; parallax_method_1=&#8221;off&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;3.0.48&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.0.74&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221;]<h1>Get Your Free Insurance Quote<\/h1>\r\n<p class=\"home-text\">Click on any of the respective buttons below to get your free income protection, life or health insurance quote. It takes less than 2 minutes to complete each form.<\/p>\r[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1300px&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;3.19.15&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_text admin_label=&#8221;Text&#8221; module_id=&#8221;home-box&#8221; _builder_version=&#8221;3.19.15&#8243; background_color=&#8221;#ffffff&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#ffffff&#8221; border_style_all=&#8221;solid&#8221; link_option_url=&#8221;\/income-protection-insurance\/&#8221; use_border_color=&#8221;on&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;]<h1 class=\"homeheader\"><a href=\"\/income-protection-insurance\/\">Income Protection Insurance NZ<\/a><\/h1>\n<p>Compare income protection insurance quotes from all of New Zealand&#8217;s leading income protection insurers. Smart Insure will get all of the latest income protection insurance rates and present them to you in an easy to understand format with recommendations on which policies will best suit your individual circumstances.<\/p>\n<p><a href=\"\/income-protection-insurance\/\"><div id=\"home-button\">Get a Free Quote Now<\/div><\/a><\/p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_text admin_label=&#8221;Text&#8221; module_id=&#8221;home-box&#8221; _builder_version=&#8221;3.19.15&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; link_option_url=&#8221;\/life-insurance\/&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;]<h1 class=\"homeheader\"><a href=\"\/life-insurance\/\">Life Insurance NZ<\/a><\/h1>\n<p>Compare life insurance quotes from all of New Zealand&#8217;s leading life insurers. Smart Insure will get all of the latest life insurance rates and present them to you in an easy to understand format with recommendations on which policies will best suit your individual circumstances. Click on the button below for your free quote.<\/p>\n<p><a href=\"\/life-insurance\/\"><div id=\"home-button\">Get a Free Quote Now<\/div><\/a><\/p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_text admin_label=&#8221;Text&#8221; module_id=&#8221;home-box&#8221; _builder_version=&#8221;3.19.15&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; link_option_url=&#8221;\/health-insurance\/&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;]<h1 class=\"homeheader\"><a href=\"\/health-insurance\/\">Health &amp; Medical Insurance NZ<\/a><\/h1>\n<p>Compare health insurance quotes from all of New Zealand&#8217;s leading health &amp; medical insurers. Smart Insure will get all of the latest health insurance rates and present them to you in an easy to understand format with recommendations on which policies will best suit your individual circumstances. Click on the button below for your free quote.\n<\/p><p><a href=\"\/health-insurance\/\"><div id=\"home-button\">Get a Free Quote Now<\/div><\/a><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;3.0.74&#8243; custom_padding=&#8221;20px||20px|&#8221; custom_padding_tablet=&#8221;50px|0|50px|0&#8243; padding_mobile=&#8221;off&#8221;][et_pb_row use_custom_width=&#8221;on&#8221; padding_mobile=&#8221;off&#8221; column_padding_mobile=&#8221;on&#8221; parallax_method_1=&#8221;off&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;3.0.48&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.0.74&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221;]<p class=\"home-text\">See what our customers have to say about our service&#8230;<\/p>\r[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.0.74&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;]<div class=\"testimonials-widget-testimonials listing\">\n<div class=\"paging prepend\"><div class=\"alignleft\"><\/div><div class=\"alignright\"><a href=\"https:\/\/smartinsure.co.nz\/wp-json\/wp\/v2\/pages\/20\/page\/2\/\" >&raquo;<\/a><\/div><\/div>\n<div class=\"testimonials-widget-testimonial list odd post-1373 testimonials-widget type-testimonials-widget status-publish category-life-insurance\" style=\"\">\n<!-- testimonials-widget-testimonials:1373: -->\n<!-- testimonials-widget-testimonials:1373: -->\n<div id=\"raty_1_1373\" class=\"ratings\"><\/div>\t\t<blockquote><span class=\"list-title\">Grant and Pauline, Wellington<\/span><br\/><p>The team at Smart Insure went above and beyond the call of duty. When one companies offer was not acceptable to them they tendered my business out and got me a far better outcome than the original insurer we went to. These guys work for the client.<\/p>\n<\/blockquote>\n\t\t\t<div class=\"credit\"><span class=\"author\">Grant and Pauline, Wellington<\/span><\/div>\n\t<\/div>\n<div class=\"testimonials-widget-testimonial list even post-1237 testimonials-widget type-testimonials-widget status-publish\" style=\"\">\n<!-- testimonials-widget-testimonials:1237: -->\n<!-- testimonials-widget-testimonials:1237: -->\n<div id=\"raty_1_1237\" class=\"ratings\"><\/div>\t\t<blockquote><span class=\"list-title\">P Joynt & K Coluccio<\/span><br\/><p>Marcus has been a huge help to my partner and I while we worked through a couple of claims and making changes to our policy. He happily answered all of our queries and gave us honest answers. He absolutely has gone the extra mile in assisting us. We would definitely recommend his services. He also did all this for free as we have retained our existing policy which our original broker recieves the commission for.<\/p>\n<\/blockquote>\n\t\t\t<div class=\"credit\"><span class=\"author\">P Joynt & K Coluccio<\/span><span class=\"join-location\"><\/span><span class=\"location\">Christchurch<\/span><\/div>\n\t<\/div>\n<div class=\"testimonials-widget-testimonial list odd post-562 testimonials-widget type-testimonials-widget status-publish\" style=\"\">\n<!-- testimonials-widget-testimonials:562: -->\n<!-- testimonials-widget-testimonials:562: -->\n<div id=\"raty_1_562\" class=\"ratings\"><\/div>\t\t<blockquote><span class=\"list-title\">J Francis<\/span><br\/><p>Marcus from Smart Insure\u00a0helped us every step of the way from our initial contact through the website to setting up the policy and explaining all the small print.<\/p>\n<\/blockquote>\n\t\t\t<div class=\"credit\"><span class=\"author\">J Francis<\/span><span class=\"join-location\"><\/span><span class=\"location\">Tauranga<\/span><\/div>\n\t<\/div>\n<div class=\"paging append\"><div class=\"alignleft\"><\/div><div class=\"alignright\"><a href=\"https:\/\/smartinsure.co.nz\/wp-json\/wp\/v2\/pages\/20\/page\/2\/\" >&raquo;<\/a><\/div><\/div>\n<\/div>\n\r[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;3.0.74&#8243; background_color=&#8221;#f1f1f1&#8243; custom_padding_tablet=&#8221;50px|0|50px|0&#8243; padding_mobile=&#8221;off&#8221;][et_pb_row admin_label=&#8221;Row&#8221; _builder_version=&#8221;3.0.48&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.0.74&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;]<h1>Income Protection Insurance &#8211; Do I need it if I am not self-employed?<\/h1>\r[\/et_pb_text][et_pb_video src=&#8221;https:\/\/player.vimeo.com\/video\/191578838&#8243; disabled_on=&#8221;off||&#8221; admin_label=&#8221;Video&#8221; _builder_version=&#8221;3.0.47&#8243;][\/et_pb_video][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.0.74&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;]<p>Income Protection insurance protects a person\u2019s income if they cannot work due to illness or injury and in most cases this also includes depression.<\/p>\r\n<p>Income insurance provides cover for a percentage of your income after a stand down period that can range from 2 weeks up to 2 years and a benefit period ranging from 1 year up to the age of retirement and\/or 70 years. Obviously we have ACC in New Zealand which provides cover after 1 week for up to 80% of your salary up to a certain level which is currently around $94,000 p.a. So if you earn over this amount then ACC won\u2019t cover it. This only covers accident related incidents so if you are ill then you are relying on either your employer or WINZ.<\/p>\r\n<p>Any sickness related claim from WINZ also assesses any income that comes from a partner or spouse and this is offset. The WINZ pay-out is considerably less than ACC and before housing, children expenses you would be looking at about $200 per week.<br \/>\r\nSo if I was self-employed should I have it? The short answer is yes you should, because if you can\u2019t work then you can\u2019t earn an income. Being self-employed you do need some advice around the\u00a0structure and type of income protection you should have. As you don\u2019t want to have any surprises at claim time. You also have the ability to structure your ACC and private insurance cover together as you can alter your ACC levies. There are also income benefits out there which provide for broken bones which can be beneficial if you have a longer wait period before your insurance starts.The income protection premiums can also be tax deductible depending on the type of cover you get, this can be for self-employed and PAYE earners.<\/p>\r\n<p>Another great aspect of income protection insurance is it protects your occupation so for example if you were a builder and something happened which meant you couldn\u2019t be a builder but you could be a basket weaver then you have options. You could choose not to work and remain on claim or weave baskets and the insurance would cover the gap between what you were earning as a builder and what you are now earning as a basket weaver.<\/p>\r\n<p>Self employed or business owners also often have their family houses as security for their businesses and when things go wrong they can go really wrong. Do I need income protection if I am a salary earner? It all depends on your risk tolerance but your income is what pays the bills, be it food, mortgage or living and children\u2019s costs. If this wasn\u2019t coming in how would you survive? Everyone is always concerned about insuring their cars, but what about the people driving them. If you had a money printing machine in the corner of your house would you insure it? Of course you would, so why don\u2019t you have protection on yourself being the money maker.<\/p>\r\n<p>A lot of people we come across talk about their employer will look after them if they get sick, so we ask them is it in your contract. Is their unlimited leave, has someone at your workplace had several months off work due to illness? Most workplaces cannot afford to cover sick employees for ever, so once sick and holiday leave is used up it is up to both the company and the manager\u2019s discretion. We recommend not relying on this and having some protection in place for peace of mind, even if you put in place some mortgage protection (a form of income protection) which will cover the mortgage payments if you get sick or injured. In the event of an ACC claim you would receive both your ACC payments the monthly mortgage payments.<\/p>\r\n<p>Even if you took out a smaller monthly cover, something is better than nothing and in our industry we see the difference what having cover has to a family or individual and what happens when you don\u2019t have cover. Get a free quote from us today for your <a href=\"https:\/\/smartinsure.co.nz\/income-protection-insurance\/\">income protection insurance<\/a> and keep yourself and your loved ones protected.<\/p>\r[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>Free Insurance Quotes, Expert Advice, Best Prices Guaranteed. We provide you with quotes from all of New Zealand&#8217;s leading insurers and then give expert advice from qualified professionals to ensure you get the policy that best suits your individual circumstances. With the current COVID-19 pandemic, insurance becomes even more important please call us or go [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":""},"_links":{"self":[{"href":"https:\/\/smartinsure.co.nz\/wp-json\/wp\/v2\/pages\/20"}],"collection":[{"href":"https:\/\/smartinsure.co.nz\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/smartinsure.co.nz\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/smartinsure.co.nz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartinsure.co.nz\/wp-json\/wp\/v2\/comments?post=20"}],"version-history":[{"count":0,"href":"https:\/\/smartinsure.co.nz\/wp-json\/wp\/v2\/pages\/20\/revisions"}],"wp:attachment":[{"href":"https:\/\/smartinsure.co.nz\/wp-json\/wp\/v2\/media?parent=20"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}