Protect your Income

If you are worried illness or injury could leave you without enough to pay bills, there are ways to protect your income.

It's most families' worst nightmare: the main breadwinner loses their job and all of a sudden the mortgage or rent becomes difficult to pay and the family is at risk of losing their home.

Your ability to work and earn an income is one of your greatest assets - income protection helps to protect against the loss of this asset. If you become unable to work due to illness, accident or injury, for an extended period, income protection can provide you with a monthly benefit. 

This can help pay your bills and meet your financial commitments. This means you and your loved ones have financial support to help you continue to enjoy the lifestyle you’ve worked hard for.

How Income Protection works

You can get a monthly benefit to help pay your bills or any other financial commitments you may have while you’re unable to work due to illness, accident or injury. 

The benefits are:

After a waiting period, a monthly benefit is paid during the time you’re unable to work. Depending on your circumstances and the type of cover you choose, this can be based on either an amount agreed at the time you take out your policy or an amount based on what you’ve earned in the period prior to a claim (typically up to 75% of your average monthly income earned over a 12 month period in the previous three years).

The flexibility to choose the type of cover you need, including illness only cover, chronic condition, new job income cover, and your choice of waiting period.


The information is of a general nature and does not constitute financial advice or other professional advice. Before taking any action, you should always seek financial advice or other professional advice relevant to your personal circumstances.