We offer four types of Income Cover that allows you to choose the type which best suits your needs and budget.
You can apply for a sum insured based up to 75% of your annual income, to a maximum of $25,000 per month ($20,000 for Agreed Value)
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Cover you can trust
We've been operating in New Zealand for over 100 years, and now protect more than 450,000 New Zealanders with our insurance policies.
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What you need to know
Your ability to earn may be your greatest financial asset and Income Cover is designed to protect it. If you had an accident or became ill and could no longer work, Income Cover can provide you with a regular monthly income. This allows you to focus on your recovery without worrying about how to pay the bills or maintain your current lifestyle.
What's included:
Receive a monthly income while you're disabled as a result of an illness or injury
Provides an additional lump sum payment if an illness or injury leaves you totally and permanently disabled
Provides additional financial support for the cost of returning to New Zealand if you were to become totally disabled while overseas
Provides comprehensive cover with built-in benefits to assist you during your recovery and the process of returning to work
Includes a range of additional optional benefits to enhance your cover and/or to tailor it to your needs
Includes a waiver of your waiting period if your disability returns within 12 months (or six months in certain circumstances) of going off claim
Includes access to our Cigna Client Benefits which offer a range of additional services
What's excluded
Intentional self-harm including attempted suicide
Taking part in a criminal activity
Pregnancy or complications resulting from pregnancy, unless the disability lasts more than 90 days after the pregnancy
Not following the advice or treatment of, or under the regular care of, a medical practitioner
Important information
The information provided is a summary only of the product features and terms of cover. Please refer to the policy wordings for full details and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. The information is current as at July 2020 and is subject to change.
We are currently not accepting new applications for Redundancy Cover. You can still apply for Income Cover
Talk to a Cigna adviser
Please fill in your details below and one of our advisers will contact you about income cover
A Rated for our financial strength by A.M Best Company Inc
Cigna Life Insurance NZ Limited ("Cigna") has an A (Excellent) financial strength rating which was given by A.M Best Company Inc.
