Income Protection

Stay financially secure if you can’t work. Income protection keeps your income flowing.

What is Income Protection Life Cover?

Income Protection helps cover your income if you are unable to work due to illness or injury.

Instead of a one off lump sum like life insurance, it pays regular benefits for a period of time, helping you stay on top of bills and everyday expenses while you recover and get back to work.

Stay Covered When You Can’t Work

Income protection gives you a regular income if illness or injury stops you from working. It helps cover bills and everyday costs, so you and your family can focus on recovery without financial stress.

Benefits of Income Protection

Financial security
Get a steady income if illness or injury stops you from working.

Debt protection
Keep up with your mortgage, loans, and other financial commitments.

Everyday expenses
Cover bills, groceries, and day-to-day costs while you recover.

Flexible cover
Select a waiting period and benefit length that fits your situation.

FAQ's

Why income protection?

If you cannot work due to illness or injury, income protection can help replace part of your income so you can keep paying the bills.

How much can I insure?

Most policies cover a portion of your income. The right amount depends on your earnings and expenses.

How long are payments made?

Payments continue for the benefit period you choose or until you return to work.

How is it different from life insurance?

Life insurance pays a lump sum if you die or are terminally ill. Income protection pays regular benefits if you cannot work.

When do payments start?

After your selected waiting period. You choose this when setting up the policy.

Can I combine it with other cover?

Yes. Many people hold income protection with life, TPD, or trauma cover for broader protection.

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General Advice Warning

The information contained on this website has been provided as general advice only. The contents have been prepared without taking account of your personal objectives, financial situation or needs. You should, before you make any decision regarding any information, strategies or products mentioned on this website, consult your own financial advisor to consider whether that is appropriate having regard to your own objectives, financial situation and needs.