Income Protection
If you were suddenly unable to work due to illness or injury, how would you manage your monthly expenses?
Income protection insurance pays you a regular monthly income if you are unable to work due to illness or injury. It helps you maintain your standard of living and meet your financial commitments — including your mortgage, rent, and household bills — while you recover and return to work.
As with all insurance policies, conditions and exclusions will apply.
Income Protection pays out a proportion of your earnings (typically between 50%–70%) if you become unable to work due to accident or illness. The payments continue:
Until you’re well enough to return to work
Or until the end of the policy term, depending on the cover selected
This safety net can help cover:
Mortgage or rent
Utility bills and daily living costs
School fees or childcare
Any other financial commitments
Unlike statutory sick pay or employer sick leave—which are often limited—Income Protection offers long-term peace of mind.
Tailored to Fit Your Life
No two lives—or careers—are the same. That’s why we take time to understand your:
Job type and income structure
Existing sick pay entitlement
Monthly expenses and commitments
Recovery time expectations and preferences
We’ll then recommend a bespoke policy that aligns with your needs, priorities, and budget—so you’re never over- or under-insured.