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Income Protection
Pays a monthly amount if you can't work due to illness or injury
How Income Protection works
With Income Protection, you can focus on getting better, knowing your bills and lifestyle are protected.
Replaces your income
Typically pays 50–70% of your gross income until you can return to work
Tax-free payments
Monthly income paid directly to you
Long-term cover
continues as long as you’re unable to work, die or up to retirement age
Occupation-based
Pays out if you can’t do your specific job
Why You Need Income Protection
Your income is more than just money; it’s what keeps your home, your family, and your lifestyle secure. But if illness or injury stops you from working, state benefits may not cover everything.
Income Protection steps in to protect what matters most.
Replace part of your income if you can’t work due to illness or injury
Keep up with mortgage payments and bills so your home is safe
Choose flexible waiting periods to fit your situation
Give peace of mind knowing your family is financially protected
Income Protection FAQs
What is income protection insurance?
It pays a regular monthly income if illness or injury prevents you from working.
How much income does it cover?
Typically, 50–70% of your gross income, depending on the provider.
Is it worth it if I already get sick pay?
Yes, employer sick pay is limited (often 3–6 months) and may not cover your full salary. Income protection can provide long-term cover until retirement age.
How long does it pay out for?
Until you return to work, reach retirement age, or the policy ends, whichever comes first. Ideal for long-term illness or injury.
What is a deferred period?
The time between stopping work and when the policy starts paying. You can usually choose a period that suits your needs.
Is income protection the same as sick pay?
No, sick pay is short-term and employer-provided. Income protection is a long-term insurance solution.
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