Income & Mortgage Protection
Income & Mortgage Protection
Secure Your Home and Income for Every Stage of Life.
Secure Your Home and Income for Every Stage of Life.
Income and Mortgage Protection are designed to provide a crucial financial safety net if you’re unable to work due to illness or injury. They ensure you can keep up with bills and loan repayments, protecting the lifestyle you've worked hard to build.
Two Ways to Protect Your Financial Stability
Income Protection replaces a portion of your regular earnings to cover everyday expenses, while Mortgage Protection is specifically focused on your home loan repayments.
Protects Your Lifestyle & Security
Ensures you can stay in your home and manage expenses with less stress during an unexpected turn.
Covers More Than Just Accidents
Fills the gap left by ACC by covering illnesses, which are the most common reason for time off work.
Keeps Your
Income Flowing
Replaces part of your earnings so the bills don’t pile up.
TPD cover pays out a lump sum if an illness or injury leaves you permanently unable to work in your usual occupation.
Give Yourself Security
Imagine being in your thirties, unable to ever return to your job. A TPD payout provides a lump sum to pay off the mortgage, cover future living costs, and modify your home for new needs, giving you security and options when you need them most.
Income Protection replaces a portion of your regular earnings to cover everyday expenses, while Mortgage Protection is specifically focused on your home loan repayments.
Protects Your Lifestyle & Security
Ensures you can stay in your home and manage expenses with less stress during an unexpected turn.
Covers More Than Just Accidents
Fills the gap left by ACC by covering illnesses, which are the most common reason for time off work.
Keeps Your
Income Flowing
Replaces part of your earnings so the bills don’t pile up.
TPD cover pays out a lump sum if an illness or injury leaves you permanently unable to work in your usual occupation.
Give Yourself Security
Imagine being in your thirties, unable to ever return to your job. A TPD payout provides a lump sum to pay off the mortgage, cover future living costs, and modify your home for new needs, giving you security and options when you need them most.
Income Protection replaces a portion of your regular earnings to cover everyday expenses, while Mortgage Protection is specifically focused on your home loan repayments.
Protects Your Lifestyle & Security
Ensures you can stay in your home and manage expenses with less stress during an unexpected turn.
Covers More Than Just Accidents
Fills the gap left by ACC by covering illnesses, which are the most common reason for time off work.
Keeps Your
Income Flowing
Replaces part of your earnings so the bills don’t pile up.
TPD cover pays out a lump sum if an illness or injury leaves you permanently unable to work in your usual occupation.
Give Yourself Security
Imagine being in your thirties, unable to ever return to your job. A TPD payout provides a lump sum to pay off the mortgage, cover future living costs, and modify your home for new needs, giving you security and options when you need them most.
For Your Occupation
Is This Cover Is Right For You
This cover is especially valuable for :
Sales or managerial professionals, skilled tradies, farmers, high-income earners (realty, accountants, medical professionals, lawyers), and SME owners or shareholders.
We can also explore options for high-risk or labour-intensive roles on a case-by-case basis.
For Your Occupation
Is This Cover Is Right For You
This cover is especially valuable for :
Sales or managerial professionals, skilled tradies, farmers, high-income earners (realty, accountants, medical professionals, lawyers), and SME owners or shareholders.
We can also explore options for high-risk or labour-intensive roles on a case-by-case basis.
For Your Occupation
Is This Cover Is Right For You
This cover is especially valuable for :
Sales or managerial professionals, skilled tradies, farmers, high-income earners (realty, accountants, medical professionals, lawyers), and SME owners or shareholders.
We can also explore options for high-risk or labour-intensive roles on a case-by-case basis.
Our Approach
Our Personalised Process
Our Approach
Our Personalised Process
Our Approach
Our Personalised Process
Finding the right mix of protection is a balancing act. Our process is designed to bring clarity, ensuring you get a plan that truly fits your life.
1
We Focus on What Matters Most
We start by looking at your income, your debt levels, and the people or business who rely on you to build a clear picture of your needs.
2
We Recommend the Right Balance
We then map out a personalised plan that balances Income Protection, Mortgage Protection, and TPD cover based on your lifestyle, financial commitments, and future goals.
3
You Get Complete Peace of Mind
The result is a tailored plan that gives you the right level of protection and the confidence that comes from knowing you're prepared.
Let's talk about your tailored plan.
Help us understand your world so that we can build a plan that fits just right.
Finding the right mix of protection is a balancing act. Our process is designed to bring clarity, ensuring you get a plan that truly fits your life.
1
We Focus on What Matters Most
We start by looking at your income, your debt levels, and the people or business who rely on you to build a clear picture of your needs.
2
We Recommend the Right Balance
We then map out a personalised plan that balances Income Protection, Mortgage Protection, and TPD cover based on your lifestyle, financial commitments, and future goals.
3
You Get Complete Peace of Mind
The result is a tailored plan that gives you the right level of protection and the confidence that comes from knowing you're prepared.
Let's talk about your tailored plan.
Help us understand your world so that we can build a plan that fits just right.
Finding the right mix of protection is a balancing act. Our process is designed to bring clarity, ensuring you get a plan that truly fits your life.
1
We Focus on What Matters Most
We start by looking at your income, your debt levels, and the people or business who rely on you to build a clear picture of your needs.
2
We Recommend the Right Balance
We then map out a personalised plan that balances Income Protection, Mortgage Protection, and TPD cover based on your lifestyle, financial commitments, and future goals.
3
You Get Complete Peace of Mind
The result is a tailored plan that gives you the right level of protection and the confidence that comes from knowing you're prepared.
Let's talk about your tailored plan.
Help us understand your world so that we can build a plan that fits just right.
Your Financial Safety Net
Helping Create Peace of Mind
We're proud to share stories from clients we've helped, allowing them to focus on their world.
Your Financial Safety Net
Helping Create Peace of Mind
We're proud to share stories from clients we've helped, allowing them to focus on their world.
Your Financial Safety Net
Helping Create Peace of Mind
We're proud to share stories from clients we've helped, allowing them to focus on their world.
"Like most people, I never thought I’d need it—until I did. I was unable to work for 18 months, and during that time, having income protection truly saved our home and our family’s well-being."
Stu Rutherford
Managing Director | The Agency 88
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"Like most people, I never thought I’d need it—until I did. I was unable to work for 18 months, and during that time, having income protection truly saved our home and our family’s well-being."
Stu Rutherford
Managing Director | The Agency 88
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"Like most people, I never thought I’d need it—until I did. I was unable to work for 18 months, and during that time, having income protection truly saved our home and our family’s well-being."
Stu Rutherford
Managing Director | The Agency 88
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"Like most people, I never thought I’d need it—until I did. I was unable to work for 18 months, and during that time, having income protection truly saved our home and our family’s well-being."
Stu Rutherford
Managing Director | The Agency 88
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"Like most people, I never thought I’d need it—until I did. I was unable to work for 18 months, and during that time, having income protection truly saved our home and our family’s well-being."
Stu Rutherford
Managing Director | The Agency 88
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"Like most people, I never thought I’d need it—until I did. I was unable to work for 18 months, and during that time, having income protection truly saved our home and our family’s well-being."
Stu Rutherford
Managing Director | The Agency 88
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"Like most people, I never thought I’d need it—until I did. I was unable to work for 18 months, and during that time, having income protection truly saved our home and our family’s well-being."
Stu Rutherford
Managing Director | The Agency 88
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"Like most people, I never thought I’d need it—until I did. I was unable to work for 18 months, and during that time, having income protection truly saved our home and our family’s well-being."
Stu Rutherford
Managing Director | The Agency 88
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"Like most people, I never thought I’d need it—until I did. I was unable to work for 18 months, and during that time, having income protection truly saved our home and our family’s well-being."
Stu Rutherford
Managing Director | The Agency 88
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"Like most people, I never thought I’d need it—until I did. I was unable to work for 18 months, and during that time, having income protection truly saved our home and our family’s well-being."
Stu Rutherford
Managing Director | The Agency 88
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"Like most people, I never thought I’d need it—until I did. I was unable to work for 18 months, and during that time, having income protection truly saved our home and our family’s well-being."
Stu Rutherford
Managing Director | The Agency 88
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"Like most people, I never thought I’d need it—until I did. I was unable to work for 18 months, and during that time, having income protection truly saved our home and our family’s well-being."
Stu Rutherford
Managing Director | The Agency 88
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
Any Questions
on your mind?
Isn’t ACC enough?
Isn’t ACC enough?
What if I pay off my mortgage early?
What if I pay off my mortgage early?
Is it better to have mortgage or income protection?
Is it better to have mortgage or income protection?
How much does your service cost me?
How much does your service cost me?
What if my needs change in the future?
What if my needs change in the future?
Isn’t ACC enough?
What if I pay off my mortgage early?
Is it better to have mortgage or income protection?
How much does your service cost me?
What if my needs change in the future?
Your Personalised Plan
Ready to Secure Your Most Valuable Asset?
Your ability to earn an income is your greatest asset. Let's have a simple, no-obligation chat to create a safety net that protects your lifestyle and your home.
Your Personalised Plan
Ready to Secure Your Most Valuable Asset?
Your ability to earn an income is your greatest asset. Let's have a simple, no-obligation chat to create a safety net that protects your lifestyle and your home.
Your Personalised Plan
Ready to Secure Your Most Valuable Asset?
Your ability to earn an income is your greatest asset. Let's have a simple, no-obligation chat to create a safety net that protects your lifestyle and your home.
Your insurance, personalised.
Our Group
Looking for Mortgage Advice?
Looking for Mortgage Advice?
Looking for Mortgage Advice?
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© Personalised Insurances Ltd 2025
© Personalised Insurances Ltd 2025
Designed by Nate Swann
Designed by Nate Swann
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