Income Protection provides you with a monthly payment if you are unable to work due to sickness or injury.
This insurance protects your ability to earn. It is essential for anyone with a partner or a family dependent on the insured's income for the maintenance of their lifestyle.
Built In Features
- Guaranteed Renewable - your cover is guaranteed to be renewed to age 60 or 65, regardless of claims, health or occupation.
- Indemnity Option - provides cover of up to 75% of your gross remuneration package.
- Agreed Value Option - provides cover for up to 55% of your gross remuneration package.
- You nominate the Benefit Term - you choose whether you wish to receive your monthly payment for two years, five years or to age 60, 65 or for life in some cases.
- Waiver of Premium - your premium is automatically waived while on claim.
- Waiver of Waiting Period - should you suffer a recurrence of the same disability within six months, your waiting period will be waived.
- Rehabilitation Benefit - provides a lump sum of up to six times the monthly benefit to pay for specialised equipment or home alterations.
- Partial Disability Benefit - provides an additional income should your ability to perform your job effectively be limited.
- Bed Confinement Benefit - provides a payment if you are confined to bed, at home, or in a hospital, under the daily supervision of a Registered Practitioner.
- Vocational Retraining Benefit - provides a lump sum of up to 12 times the monthly benefit while you are on an approved course of retraining to get back to work in an occupation which requires new skills.
- Special Allowances - special benefit allowances of up to $2,500 per month are available to students and house persons who do not earn a regular income but still require cover.
- Special Occupational Benefits - law, medical, may apply for cover of up to $2,500 per month or accountancy graduates, irrespective of income. There is also a farmers' benefit of either 30% of gross turnover or $3,000 per month.
Optional Features
- Childcare Benefit - provides up to $2,500 per child per month.
- Premier Cover Option - provides extra benefits including the Extra Cash Benefit, Permanent Disablement Benefit and Home Care Benefit.
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Services 
Life insurance can appear overwhelming and complicated. 
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