Income Protection

Do you have an alternative way of providing your household with an income in the event you are off work due to a disability? When I ask clients what is your most valuable asset? Usually it is ‘the house’ or ‘the car’ but if you think about the reality of it – it is your ability to earn an income…

Income Protection is where we can protect a portion of your earnings and pay you a monthly salary in the event you cannot work.

Income protection pays a monthly benefit based on your pre-disability income in the event you cannot work due to injury and/or illness. This funding gives the household or your business a guarantee of financial stability of an on-going income to pay expenses such as the mortgage, bills and medical treatment to focus on recovery and getting back to work.

This benefit is designed to mitigate the financial impact on the household in this event. Various benefits are available to suit either the self-employed or salaried employees.

Who should have Income Protection?

Anyone in paid employment or self-employment reliant on an income to cover costs of living.


5 in 10 men and 7 in 10 women are likely to become disabled due to an illness or accident before the age of 65, usually lasting longer than 1 month. Almost 30% will still be on claim 12 months after.


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