Safeguard your paycheck while you recover
Your income keeps everything moving: bills paid, groceries on the table, plans for the future.
If illness or injury stops you working, income protection ensures money still comes in, so life doesn’t come to a halt.
Why you might need income protection insurance
Your income keeps your household running. If illness or injury means you can’t work, income protection steps in to keep those essentials covered. It replaces a portion of your earnings, so you can take the time you need to recover without worrying about falling behind.
Protects up to 75% of your regular income.
Keeps the bills, mortgage, and essentials covered while you recover.
Lets you focus on getting well, not worrying about money.
Coverage highlights
1
Regular monthly payments during your time off work.
2
Choice of waiting periods before payments start.
3
Flexible benefit periods from a few years to until retirement age.
4
Cover tailored to your income, job type, and needs.
5
Do I still need income protection if I have sick leave?
Sick leave only lasts so long. Income protection’s job is to cover the long term.
How much of my income can I insure?
Most policies allow up to 75%.
How long do payments last?
That depends on the benefit period you choose. You might prefer just 2 years, or coverage until retirement. We’re happy to discuss your needs and how different options may affect your premiums.
Time to protect your future?
A quick chat is all it takes to get started. We’ll explain your options, answer your questions, and help you find the cover that feels right.
