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Income Protection – because your income is everything

What is your greatest asset? Your home? Your car? Your investments?

Your greatest asset is actually your ability to earn an income.

Most of us rely on our income to pay the mortgage or rent, keep ourselves and our families clothed and fed, and maintain a comfortable standard of living. So protecting our ability to earn an income should be a high priority. Yet while most of us are aware of the importance of insuring our homes and possessions, we often ignore protecting our income.

An income protection plan will pay a regular income if you are unable to work because of sickness or injury. Whether the disability is as serious as cancer or as minor as a broken arm, income protection provides a simple, cost-effective safety net.

Income protection is particularly important for the self-employed, who cannot rely on short-term sick leave from an employer.

Why not workcover?

Even if you are covered by workcover, you will only be covered for the short term, and only if the injury happened in the normal course of performing your work duties. Serious injury can occur on the sporting field, playing in the yard with your kids or swimming in the surf, and if this happens, workcover wont pay you a cent.

Most policies will pay up to 75 per cent of your average monthly income* , and in some cases even more, if a disability, illness or injury prevents you from working. Income protection premiums are tax deductible.

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