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Income Protection

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Income Protection Insurance

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.

When will the payment start?

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.

Protect A Lot More Than Your Income!

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.

We're here to guide your whole process

How much of your income can you replace? Icon/dropdown
What are the relevant deferred periods? Icon/dropdown
What is the difference between guaranteed and a reviewable plan? Icon/dropdown
What if my salary increases or decreases? Icon/dropdown
Is there tax relief on premiums? Icon/dropdown
Income Protection or Serious Illness cover? Icon/dropdown

You keep building the life you want. We'll protect it.