Income Protection & Replacement Strategies

Secure your income against unexpected life events with our income protection solutions. We help replace lost income to maintain your financial stability during tough times. Rest easy knowing your essential needs are covered.

benefits of Income Protection & Replacement Strategies

Secure Steady Income During Uncertain Times

Ensure a continuous flow of income even during job loss, illness, or unexpected circumstances.

Protect Against Income Loss Due to Disability

Safeguard your financial stability with coverage that replaces income if you're unable to work.

Peace of Mind for You and Your Family

Reduce financial stress with a safety net that keeps your household running smoothly

Support During Medical Emergencies

Receive financial assistance to focus on recovery without worrying about lost wages.

Supplement Retirement Planning

Integrate income protection into your retirement plan for added security during later years.

Safeguard Long-Term Financial Goals

Stay on track with savings, investments, and other financial aspirations despite interruptions in income.

questions and answers

What is income protection, and how does it work?

Income protection is a financial strategy or insurance plan that provides a regular income if you're unable to work due to illness, injury, or other unforeseen circumstances. It typically replaces a portion of your salary, helping you manage essential expenses.

Who should consider income protection strategies?

Anyone who relies on a regular paycheck to meet their financial obligations should consider income protection. This includes employees, self-employed individuals, and business owners.

How much of my income can be replaced?

Most income protection plans cover 50-70% of your pre-tax income. The exact amount depends on the plan and provider, ensuring you have enough to cover essential living expenses.

Is income protection the same as life insurance?

No, income protection focuses on replacing lost income during your working years if you're unable to work due to specific circumstances. Life insurance provides a lump sum to your beneficiaries in case of your death.

How long does income protection coverage last?

Coverage duration depends on the plan. It can range from a few months to several years or until you reach retirement age. You can customize the plan based on your financial needs and goals.