Income Protection – Your income is your most important asset. Are you protecting it?

Income Protection, also known as Permanent Health Insurance (PHI) offers you financial security for yourself and your family if you are unfortunate enough to be out of work because of an illness or accident and suffer a loss of earnings as a result. It will pay you a weekly benefit after a deferred period (as chosen at the outset).

Why do I need Income Protection?

1. We protect our belongings – car / house / contents with insurance
2. We protect our dependants’ financial future if we were to die prematurely with life assurance
3. We protect our lifestyle for when we retire with a pension plan or investments or both

BUT

What are we doing to protect the cost of our lifestyle in our working years? 

For most people their income is their largest asset. What are the financial consequences of not being able to work and earn an income? Who will pay your Mortgage, Living Expenses, Holiday or Education Costs?

For many of us, the solution is Income Protection.

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