Income Protection

Income protection insurance is designed to replace a portion of your income if you’re unable to work due to illness or injury. This cover ensures that you can continue to meet your financial obligations, from bills to mortgage payments, while focusing on your recovery. Income protection gives you the peace of mind that even in the face of the unexpected, you’ll have financial stability. We’ll work with you to understand your needs and recommend a policy that provides the right level of support.

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Frequently Asked Questions

While critical illness cover pays a lump sum if you’re diagnosed with a specific serious illness, income protection provides an ongoing income if you’re unable to work due to illness or injury, regardless of the condition. It’s designed to support you until you’re able to return to work or retire.
Income protection insurance typically pays out after a waiting period, known as the "deferred period," which can range from a few weeks to several months. This period is the time you need to wait before your benefits kick in, allowing you to use any sick pay or savings in the meantime. The longer the deferred period, the lower your premium may be.
Most policies allow you to protect up to 50%-70% of your regular income. You can choose how long the policy will pay out, from a set term (e.g., one or two years) to the end of your working life. We can help you tailor a policy to suit your needs and budget.