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Income Protection (also known as Permanent Health Insurance or PHI) provides you with a replacement income in the event that you are unable to work due to any accident, illness or disability.
The payment will commence once you have been disabled for a set period of time (known as the ‘deferred period’). These payments will continue until you have recovered and are fit to return to work, or until your chosen retirement age if you are unable to go back to work.
Statistics show that a 30 year old person is more likely to be off work due to an illness or injury for a long period, than to die before the age of 65.
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Very helpful, answered all queries promptly and professionally. Very happy