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Income Protection
Replaces part of your income if you cannot work due to illness or injury
Caveat
Insurance, made simple.
How Income Protection Works
Focus on getting better, knowing your bills and lifestyle are protected.
Replaces your income
Typically pays 50 to 70% of your gross income until you can return to work
Tax-free payments
Monthly income paid directly to you
Long-term cover
Continues as long as you’re unable to work, up to retirement age
Occupation-based
Pays out if you can’t do your specific job
Why Consider Income Protection?
Your income keeps your home, family, and lifestyle secure. If illness or injury stops you from working, state benefits may not be enough.
Income Protection helps bridge the gap.
Replace part of your income if you can’t work due to illness or injury
Keep up with mortgage payments and bills so your home is safe
Choose flexible waiting periods to fit your situation
Give peace of mind knowing your family is financially protected
Common Questions
What is income protection insurance?
It pays a regular monthly income if illness or injury prevents you from working.
How much income does it cover?
Typically 50 to 70% of your gross income, depending on the provider.
Is it worth it if I already get sick pay?
Yes, employer sick pay is limited, often three to six months, and may not cover your full salary. Income protection can provide long-term cover until retirement age.
How long does it pay out for?
Until you return to work, reach retirement age, or the policy ends, whichever comes first. Ideal for long-term illness or injury.
What is a deferred period?
The time between stopping work and when the policy starts paying. You can usually choose a period that suits your needs.
Is income protection the same as sick pay?
No, sick pay is short-term and employer-provided. Income protection is a long-term insurance solution.
Protect Your Income
Talk to our specialists about income protection today.