Income Protector

What is it?

Income protection is designed to assist you if you cannot generate an income or you become disabled. The income protector will replace your full income or a portion of it. Please note that unfortunately, income protection does not cover retrenchment.

Why do you want one?

Your ability to generate an income is your greatest asset and should be insured at all costs. You’ll need to decide on the level of income you want to insure and the age you want to extend it to. You should also consider your debt, monthly living costs and retirement funding shortfalls as well as inflation.

Do you need it?

Yes, if you are dependent on your income to pay the bills. If you were injured or ill, you would not be able to work, earn an income or pay your expenses. Perhaps you have enough savings etc to cover you for a few months, but would you be able to support yourself for the rest of your life or save for your retirement if you had a chronic illness or disability? If not, then you need income protection.

How much does it cost?

The cost will differ depending on some key factors, including your:

  • Risk profile
  • Health
  • Age
  • Education
  • Qualifications
  • Smoking and drinking habits
  • Occupation
  • Activities (dangerous activities involving high risk)

You may need to undergo a medical examination during the underwriting process.

How can we help you?

We will help you find the best product to suit your lifestyle and your budget.

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