Helping protect your income
Explore options that could provide support if you're unable to work due to illness or injury.
What is income protection insurance?
Income protection insurance is designed to provide a regular income if you are unable to work due to illness or injury. Policies vary in terms of waiting periods, benefit levels, and duration of cover.
My role is to explain how these policies work so you can assess how they may support your financial stability. This supports you in making a decision that reflects your circumstances and future plans.
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Frequently asked questions
It pays you a monthly income if you can’t work due to illness or injury.
Most policies cover a percentage of your income — usually 50–70%.
Until you recover, return to work, or reach the end of the benefit period you choose.
No — income protection pays monthly, while critical illness cover pays a lump sum.
It depends on the condition and provider. I’ll explain your options clearly.