Income Protection

Income Protection is often the most overlooked yet most important protection, replacing your salary if illness or injury stops you from working. Unlike statutory benefits which are minimal, income protection pays up to 75% of your gross income until you recover or reach retirement age, protecting your standard of living and ability to meet ongoing financial commitments. For self-employed professionals and business owners, this is particularly critical as there's no employer sick pay safety net. We structure policies with appropriate deferred periods to balance cost with coverage, ensure definitions of incapacity suit your occupation, and confirm the policy will actually pay out in realistic claim scenarios rather than just looking good on paper.