If you can’t work, your cover can.
Income Protection helps replace your income when sickness or injury gets in the way, giving you breathing space to rest, recover, and keep life running.
Get insurance cover across NZ providers:
Income Protection that makes life easier
When you can’t work, things shouldn’t get harder.
We make sure your cover is simple, flexible, and easy to understand, so you can focus on getting better, not on paperwork or policy wording.
Our partners guide you through every step, helping you choose a plan that fits your budget and your life.
"Very helpful team, my advisor was awesome and accommodated mine and my partners needs. Recommended to my friend who also found them great."
How We Help
How We Help
Clients Feedback
Testimonials from some of our happy clients.
"Thanks so much for taking the time & explaining the ins & outs. Finding me the best product for my situation. Really appreciated it."
"Great people and very helpful. Jared went above and beyond for my wife and I, lovely man."
"Great experience with my advisor! So easy to work with and took the time to understand me and want I wanted."
"I want to thank Caleb for his amazing work that he did for my husband and I. I had spent months trying to find the best options for us and had almost given up. I answered a phone call one day from Caleb and in under 1 month he has managed to get us signed up to the best package for us and our life. I am so grateful for all of your work and guidance. Thank you for making everything so easy!"
"Man this guys needs a raise or something, exceptional service, delivery professional and always concerned about my needs and my kids, one thing that stood out he understood the importance of "family"& Future. Sam the MAN! For president! thanks brother!"
"Invicta financial provided exceptional service, making insurance easy to understand and tailored to my needs as a young professional. Their team was attentive, proactive, and always available to answer my questions. Thanks to their expertise, I now have comprehensive coverage at an affordable price, giving me peace of mind. Highly recommend!"
What do most Kiwis do?
"Very helpful team, my advisor was awesome and accommodated mine and my partners needs. Recommended to my friend who also found them great."
Kiwis often get the first quote and take it.
Whether that's from their bank, someone who called them out of the blue, or from their existing insurance provider.
Many don't know that different providers have different pro's and con's. Depending on your situation, one might work better for you than another.
That's where we come in. We'll have a short conversation with you about what you need covered, then go out and find the right deals to fit.
And if we can't find anything? Or if you have the best deal already?
We'll let you know and give you genuine trustworthy advice.
"Very helpful team, my advisor was awesome and accommodated mine and my partners needs. Recommended to my friend who also found them great."
Breaking the Mould in Financial Advice
Invicta Financial was founded by Tom and Lucas with a vision to do things differently.
We wanted to step away from outdated industry traditions and create a financial advisory firm that’s always innovating and never afraid to have fun along the way.
Our Goal: To be your go-to for all finance needs with advice that's smart, transparent, and genuinely in your best interests.
Nationwide Expertise, Local Feel – We work with Kiwis everywhere. No matter where you are, you’ll get advice that’s as personal as if we were sitting across the table.
Fresh, Modern, Relevant – We leave the old-school ways behind. Our advice is clear, jargon-free, and tailored to fit your life right now, and where you’re heading.
Fee-Free and Focused on You – You won’t pay us a cent for our advice. Instead, we focus on creating a personalised plan that puts your goals first.
Everything in One Place – Insurance, KiwiSaver, mortgages, we bring it all together so your finances are simple, connected, and easy to manage.
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Why Invicta Financial?
Frequently Asked Questions
Clear answers to help you make confident financial decisions.
What is Income Protection Insurance?
Income Protection helps replace your income if you can’t work because of illness or injury.
It’s designed to cover your regular expenses so you can focus on recovery, not catching up on bills.
How long will Income Protection pay out for?
It varies by policy. Some cover a few months, others until you’re well enough to return to work. We’ll help you understand your options so you know exactly what’s covered and for how long.
Is there a wait period before payments start?
Yes, most policies have a waiting period, usually between 2 and 8 weeks.
Choosing the right timeframe affects your premium, so it’s worth discussing what fits best with your savings and situation.
Does Income Protection cover redundancy or job loss?
Generally, Income Protection focuses on illness or injury. Some providers offer redundancy add-ons, and our partners can help you explore whether that’s right for you.
Can I get Income Protection if I’m self-employed?
In most cases, yes. Many self-employed Kiwis rely on Income Protection for stability when they can’t work. Our partners can tailor a plan around your income and business setup.
Get a Quote
Comparisons, quotes, and trusted advice.
Here to make insurance simple, real conversations, clear guidance, and recommendations that put your family first.
Get personal advice from someone who understands your goals and helps you find the right cover, without the pressure.
"Invicta financial provided exceptional service, making insurance easy to understand and tailored to my needs as a young professional. Their team was attentive, proactive, and always available to answer my questions. Thanks to their expertise, I now have comprehensive coverage at an affordable price, giving me peace of mind. Highly recommend!"
Testimonials
John Doe
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Jane Doe
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Get Started
Get in Touch With Us
Auckland Office:
QBE Building, Floor 23/ 125 Queen Street, Auckland Central, Auckland 1010
Wellington Office:
Level 3, 56 Victoria Street, Wellington Central 6011
Christchurch Office:
Second Floor/45 Mandeville Street, Riccarton, Christchurch 8011
Phone:
0800 INVCTA (0800 468 282)
Email: