If illness or injury stopped you working, income protection replaces part of your income until you're able to return — arranged around your actual job and earnings.
Income protection is often overlooked in favour of life cover, despite the risk of being unable to work through illness or injury being statistically far more likely than death during a mortgage term. Policies vary significantly in deferral period, cover level, and how 'unable to work' is defined.
We'll match a policy to your occupation, income, and how quickly you'd need cover to start paying out.
Typically up to 50-70% of gross income, though this varies by insurer and occupation.
The length of time you'd need to be unable to work before payments start — shorter deferral periods usually mean higher premiums.
Yes — higher-risk occupations are priced differently, and some insurers specialise in particular professions.
Tell us what you need and we'll come back to you directly — usually the same day.
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