Income Protection pays a monthly amount while you are unable to produce an income as a result of illness or injury.

Many policies may cover up to 85% of your pre-tax income if you are totally or partially disabled.

By replacing your regular income, Income Protection payments can help you and your family maintain a level of financial normality. Income Protection gives you the financial freedom to focus on your recovery or treatment, without worrying about regular expenses.

Income Protection policies are very flexible and can be tailored to suit your individual and family circumstances. 

We can help you choose the most appropriate 'waiting period' – the time between becoming unable to work and receiving your first income protection payment – and 'benefit period' – the period during which you receive your income protection payments.