Income Protection Insurance
For most people, their income supports everything around them — mortgage repayments, rent, bills, savings, and everyday living.
Income protection insurance helps replace a portion of your income if illness or injury prevents you from working.
Broker vs insurer
what’s the real difference?
Getting insured directly through a major insurer means your options are limited to a single provider — whether or not it’s the best fit for you
Access to more than one insurer
We work with a selected range of trusted providers, allowing us to compare options and find what genuinely suits your situation.
Advice tailored to your life
Your cover is structured around your income, responsibilities, and future plans — not a standard package.
Cover designed to work at claim time
The way your policy is structured matters. We focus on getting the details right so your protection performs when it’s needed.
Ongoing support as life changes
Your circumstances evolve over time. We regularly review your cover to ensure it continues to reflect your situation.
Support when you need to make a claim
If something happens, we guide you through the claims process and help ensure everything is handled properly from start to finish.
A long-term relationship, not a one-off transaction
We’re here to support you over time — not just when your policy is first set up.
If you couldn’t work for several months, what would happen financially?
Many people underestimate how quickly financial pressure can build when income unexpectedly stops.
- Without income protection
Income suddenly stops
Illness or injury prevents you from working and earning normally.
Financial pressure begins quickly
Mortgage, rent, bills, and everyday expenses continue immediately.
Savings start carrying the load
Savings may begin getting used faster than expected.
Pressure builds around returning to work
There may be pressure to return to work before fully recovering.
Recovery becomes financially stressful
Instead of focusing fully on recovery, financial stress becomes part of the situation.
- With income protection
Income support becomes available
A portion of your income may continue during recovery.
Financial commitments remain manageable
Mortgage repayments, rent, and living costs can remain more manageable.
Savings are less impacted
There is less reliance on savings during time away from work.
More time becomes available
You may have greater flexibility to recover properly before returning to work.
Greater stability is maintained
Recovery can happen with less financial pressure and uncertainty.
Frequently Asked Questions
Honest answers to help you understand life insurance before you make any decisions.
How long is the waiting period before payments start?
Waiting periods usually range from 2 weeks to 13 weeks (or longer). A longer waiting period reduces premiums but means you need savings to cover that initial time.
What percentage of my income will I receive — 40%, 75%, or different?
Most policies cover between 45% and 75% of your income, depending on the product and underwriting.
What’s the difference between Agreed Value and Indemnity/Default Value?
Agreed Value: Benefit is based on income agreed at application (certainty at claim time)
Indemnity: Benefit is based on your income at the time of claim
For how long will benefits be paid — 2 years, 5 years, to age 65/70?
You can choose benefit periods such as 2 years, 5 years, or to age 65 or 70 depending on your needs and budget.
Will the insurer still pay if I can work part-time or light duties only?
Yes—most policies include partial disability benefits, meaning you can receive a reduced payment if your income drops due to illness or injury.
Your income is one of your biggest financial assets
Protecting your income can help ensure your lifestyle and financial commitments remain manageable if life changes unexpectedly.
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