Income Protection Insurance

Stay financially secure if you can’t work. Income protection keeps your income flowing. Get your quote today.

Income Protection Insurance is a safety net that replaces a portion of your income if illness or injury prevents you from working. Unlike life insurance, which pays a lump sum on death or terminal illness, income protection provides regular payments over time, helping you manage your finances while you recover and return to work.

What is Income Protection Insurance?

Income Protection Insurance provides a regular replacement income, helping you meet financial obligations while focusing on recovery. It gives you and your family peace of mind, ensuring your standard of living is maintained even when the unexpected happens.

Why it matters.

Financial Security

Receive regular income if illness or injury prevents you from working.

Benefits ✓

Debt Protection

Cover mortgage repayments, personal loans, and other financial obligations.

Everyday Expenses

Pay bills, groceries, and other living costs while recovering.

Flexibility

Choose a benefit period and waiting period that suits your needs.

It ensures you can continue covering living expenses, mortgage, bills, and lifestyle needs while recovering.
Most people choose cover that replaces 70% of their regular income, but it depends on your lifestyle and financial commitments.
Payments can continue until you return to work, reach the policy’s benefit period, or retire, depending on your policy.
No, Life Insurance pays a lump sum on death or terminal illness. Income Protection provides ongoing payments if you can’t work.
After a waiting period (often 30, 60, or 90 days), your policy starts paying a regular income.
Yes, many people hold income protection alongside life, TPD, or critical illness insurance for comprehensive coverage.