Income Protection NZ is part of the Financial Services Online network, owned and operated by Clark Family Pty Ltd (A.C.N. 010 281 008). We are dedicated to helping Australians connect with reputable providers of financial, credit, and insurance products and information online.
Income Protection NZ operates as an introducer and referral service. We do not provide financial, credit, or insurance advice or credit assistance, nor do we recommend or endorse any specific products or providers. Product enquiries submitted through this website may be referred to participating licensed professionals - such as finance brokers, lenders, or insurance brokers—based on the information you provide and partner availability, so that you can deal with them directly. Referral allocation may also take account of operational and commercial factors, including bidding settings.
Our Referral Network and its Limitations
Our referral network consists of participating brokers, lenders, insurers and other providers and does not represent every provider or product available in the market. Being referred through Income Protection NZ therefore does not mean that you will be presented with all products, providers, pricing, terms, cover or other options that may be available to you.
A participating broker or provider may be able to discuss or compare a range of options available through the lenders, insurers or other providers with whom they deal. The number and range of products considered will depend on that broker’s or provider’s own accreditations, panel, licensing arrangements and business relationships.
You may wish to consider any options presented to you alongside your existing arrangements and other alternatives available from different brokers, lenders, insurers or providers. You can also make your own independent enquiries or obtain additional comparisons before deciding whether a particular product or service is appropriate for you.
We do not determine which financial, credit or insurance product you should choose and do not represent that a referral made through our service will identify the lowest-priced, most suitable or otherwise preferable product available in the market.
In some cases, Income Protection NZ or Clark Family Pty Ltd may receive a referral fee or commission from the third-party provider in consideration for facilitating the introduction. Ask the third-party provider about any applicable fees and product terms.
All information, articles, tools, and calculators published on this website are provided for general information purposes only and do not take into account your objectives, financial situation, or needs. You should not rely on this information as a substitute for independent advice from a suitably qualified and licensed professional.
Before acting on any information or applying for a product referred to by Income Protection NZ, you should consider whether it is appropriate for your circumstances and, if necessary, seek personal advice from a qualified adviser, broker, or intermediary.
Our role is to connect consumers with licensed professionals and to facilitate access to specialist finance, credit, and insurance solutions across Australia.
Australian Financial Services & Credit Licensing Information
This website is owned and operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
You can verify our authorisations and licensing details via the ASIC website.
Company Background
Clark Family Pty Ltd is the organisation responsible for the Financial Services Online network of websites, which includes Income Protection NZ. The network consists of a number of Australian-based online platforms designed to help consumers and businesses locate information about financial services and submit enquiries to appropriately licensed providers operating in their specialist fields.
The business was founded by Andrew Clark, who began his career in the Australian financial services industry as an insurance broker. Through this work he gained firsthand experience with the challenges consumers and businesses face when trying to understand financial products, compare options, and connect with advisers.
Recognising the growing role of the internet as a research and communication tool, Andrew Clark established Financial Services Online to make it easier for individuals and businesses to research financial products and connect with qualified advisers where appropriate. The objective was to create an online environment where visitors could access general information, practical tools, and the ability to submit enquiries to licensed professionals in relevant specialist areas.
Over time, the network has expanded to include a range of specialised websites covering various lending and insurance categories. As the platform developed, the company also grew from a founder-led initiative into a small team supporting the ongoing development, maintenance, and administration of the network.
Clark Family Pty Ltd maintains the technology and operational framework that supports these platforms, while participating licensed providers remain responsible for providing any specific financial advice or product recommendations. The business continues to focus on transparency, regulatory compliance, and the efficient matching of enquiries with licensed providers.
Editorial Content and AI-Assisted Publications
In addition to connecting visitors with licensed financial services providers, Income Protection NZ publishes educational articles, industry news summaries, guides, podcasts, and other informational resources designed to help Australians better understand financial products and services.
Some editorial material is produced with the assistance of artificial intelligence technologies that analyse publicly available information and help present it in a clear, structured, and accessible format. To maintain transparency with readers, content created using these technologies may be attributed to a digital author profile used by our publishing platform.
Income Protection NZ may also use AI-assisted tools to generate introductory discussion prompts and seed comments designed to encourage community engagement. These contributions are published as platform-generated content and do not represent real individuals, personal experiences, or independent user opinions.
About the Author | Paige Estritori
Paige Estritori is an AI-generated publishing identity developed by Niche Web Services. The profile supports the production of articles, news summaries, audio content, reports, and ebooks using advanced information-analysis technologies. Content attributed to Paige Estritori is created using systems designed to analyse and organise publicly available information into structured written and audio content for readers.
Through this digital author persona, the platform delivers timely informational material across topics including finance, insurance, and business-related subjects.
At Income Protection NZ, Paige Estritori’s news stories and podcast segments are curated using publicly available information sourced from goodreturns, Insurance Business, stuff, rnz, nzherald, icnz, financialadvice. In addition to these sources, Paige may also search the internet for related stories to identify additional perspectives, background information, or relevant developments. The publishing system may also draw upon the broader knowledge base of generative artificial intelligence technologies to assist in structuring and presenting the material.
As with any automated system, AI-assisted content may occasionally contain inaccuracies, omissions, or outdated information. Readers are encouraged to independently verify important details before relying on the material.
All content published under this author profile is provided for general informational purposes only and should not be considered financial, investment, insurance, or professional advice. Readers should consider their individual circumstances and consult qualified professionals when making financial decisions.
Self-employed income protection in NZ can help replace part of your personal income if illness or injury stops you working, but variable earnings, business expenses and income evidence can make policy choices more complex. - read more
Understand the key features that can affect an income protection policy in New Zealand, including waiting periods, benefit periods, exclusions, benefit limits and claim conditions. - read more
Income protection insurance can sit alongside ACC, sick leave, employer benefits and other New Zealand income support. This guide explains the key differences, possible overlaps and questions to ask before choosing cover. - read more
Income protection insurance can help replace part of your income if illness or injury stops you from working. This guide explains how cover generally works in New Zealand, what affects benefits and what to check before applying. - read more
The Financial Markets Authority’s latest focus on licensed financial advice providers is a timely reminder that Income Protection Insurance is not a set-and-forget product. For New Zealanders whose mortgage, rent, family costs or business drawings depend on their ability to keep earning, the quality of advice received at application and review time can strongly influence how well a policy performs when a claim is needed. - read more
New Zealand households are still looking for ways to ease pressure on weekly budgets, and insurance premiums are an obvious place many people look first. Recent financial services commentary has again highlighted a familiar pattern: when living costs rise, some customers reduce benefits, extend waiting periods, remove optional cover or cancel policies altogether. For Income Protection Insurance, those decisions can have consequences that are not always visible until illness or injury interrupts work. - read more
The Reserve Bank’s continuing work on insurance supervision reform is a reminder that personal cover is not only about choosing the right benefit amount or premium. For New Zealanders who rely on Income Protection Insurance, the strength and oversight of the insurer behind the policy can matter just as much as the wording in the brochure. - read more
The latest round of ACC levy increases has brought a familiar question back into focus for New Zealand households: if we already contribute to a national accident scheme, do we still need private income protection? The short answer is that ACC remains an important foundation, but it is not designed to cover every reason a person may be unable to work. - read more
Recent industry commentary has again highlighted a growing tension in New Zealand's personal insurance market: many households know they need protection, but fewer are confident they understand what to buy, what to keep, and what to change when budgets tighten. For Income Protection Insurance customers, that advice gap can be especially important because the consequences of getting cover wrong may only become clear after illness or injury stops someone from working. - read more
New Zealand’s long-running insurance contract law reform is shifting from a technical legal issue into something everyday policyholders need to understand. The Contracts of Insurance Act modernises rules that have sat behind insurance policies for generations, including how customers disclose information, how insurers respond to non-disclosure, and how certain policy terms are treated. - read more
