If you have any feedback on how we can make our new website better please do contact us and we would like to hear from you. 


Income Protection

YES, I NEED IT NOW !

Income Protection insurance provides a regular, usually monthly, benefit if you are off work due to sickness or injury. This benefit is typically up to a percentage, say 75%, of your pre-disability income (net of business expenses but before tax) at the time of making a claim. If the insurance policy is terminated at any time the policy does not have a cash value and you will not get anything back.

Additional benefits that can be available under an Income Protection policy include:

  •    Total Disability Benefit
  •    Attempted Return to Work
  •    Partial Disability Benefit
  •    Rehabilitation Expense Benefit
  •    Indexation of Cover
  •    Waiver of Premium
  •    Recurring Disablement
  •    Leave Without Pay Benefit
  •    Unemployment Benefit
  •    Right to Automatically Upgrade
  •    24 Hour Cover
  •    Claims Escalation
  •    Accident Lump Sum
  •    Premium Pause

Exclusions or limitations may apply to the benefits you receive under an Income Protection policy. For example the policy may not cover pre-existing illnesses or injuries and may exclude injuries caused by pregnancy of childbirth, or by you personally or in other specified situations.

Income Protection policies are not savings plans. The terms and conditions applied to Income Protection Policies will vary between insurance companies so you should ensure that any policy offered to you is appropriate to your needs.

YES HELP ME PLEASE
 

 

General Advice Warning

Information on this website is of a general nature only and does not take into account individual circumstances.  Before acting on this information you should consider whether it is suitable to you having regard to your own circumstances and financial goals and objectives.  We would be happy to assist you in this task.  You should also obtain a copy of the applicable Product Disclosure Statement and carefully consider its contents before purchasing a financial product.
  Site Map