Income Protection

Income Protection Insurance offers a reliable safety net for those concerned about life’s uncertainties. Contact our referral partners to help maintain your lifestyle and meet financial obligations, even during challenging times.

What is Income Protection Insurance?

Why do you need it?

With Income Protection Insurance, you can ensure financial stability by maintaining a steady income stream even when you’re unable to work. This coverage not only safeguards against financial hardships but also provides peace of mind for you and your family. Our policies are tailored to fit your specific needs and circumstances, offering the flexibility to create a plan that is as unique as you are. This customisation empowers you to be prepared for whatever life may bring, securing your financial future with confidence.

Who should consider Income Protection Insurance?

Income Protection Insurance is valuable for a wide range of individuals. If you’re self-employed, the primary earner in your household, a professional with limited sick pay, have dependants, or are working towards long-term financial goals – income protection insurance we believe is an absolute must.

As a self-employed individual, you don’t have the safety net of sick pay or employer benefits. If you can’t work due to illness or injury, your income stops – leaving you in a uncertain financial position.

For primary earners, losing your income could be significant for your family. Income protection safeguards your loved ones’ financial security, allowing you to focus on your recovery.

Professionals with restricted sick pay entitlements need income protection to bridge part of the gap between employer support and your full earnings.

If you have dependants relying on your income, the importance of income protection cannot be understated. Ensure they’re provided for, no matter what happens to you.

And for those working towards long-term financial goals, such as saving for retirement, a mortgage, or children’s education – income protection preserves your ability to reach these milestones, even in the face of unexpected illness or injury.

Key features of our Income Protection Policy

Tailored Coverage

Customize your policy to fit your profession and lifestyle. For instance, if you work in a high-risk environment, you can adjust your policy to provide more comprehensive coverage for injuries related to your work.

Flexible Waiting Periods

Choose a waiting period that matches your savings and financial situation.

Tax-Free Benefits

The payments you receive from our Income Protection Insurance are not subject to income tax, providing you with a significant financial advantage and ensuring that the full amount of the benefit goes towards supporting you and your family.

Rehabilitation Support

Access to rehabilitation services to help you get back to work sooner.

Policy Term Coverage

The policy provides payments until you retire, pass away, or reach the end of the policy term.

Income Coverage

Your coverage can reach up to 65% of your gross annual income, determined at the time you take out the policy.

Waiver of Premium

There are options available to cover your premiums if you are unable to work due to illness. Speak to our referral partners, and we will advise you on the solution that best suits your circumstances.

Safeguard your future with our comprehensive Income Protection Insurance. Contact us today to discuss your options and find the perfect policy for your needs.

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