The monthly benefit
Typically up to about 75% of income, paid while you remain unable to work.
Your earnings, insured against illness and injury
INCOME
Your earnings, insured against illness and injury.
Income protection replaces a percentage of your income each month while illness or injury keeps you from working. For most households it is the single most useful policy on the schedule, because it defends the thing every other commitment depends on.
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What’s covered
The four that carry the weight
Wait period
How long you self-fund before payments start — the main lever on premium.
Benefit period
Two years, five years, or all the way to retirement age.
Agreed vs indemnity
Whether the benefit is fixed at the outset or proven again at claim time.
How it works
How cover gets arranged
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01
Notification
Told early, so the wait period starts running from the right date rather than from when paperwork surfaced.
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02
Medical and occupational evidence
Your doctor confirms the condition; we confirm the income and occupation details.
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03
Wait period
You self-fund for the agreed period. Choosing it well is the single biggest lever on your premium.
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04
Monthly payments
The benefit is paid every month until you can return to work or the benefit period ends.
How an income protection claim runs
- The wait period: four, thirteen, twenty-six or fifty-two weeks
- The benefit period: two years, five years, or to sixty-five
- Agreed value or indemnity
- How it interacts with sick leave and accident cover
- Whether the benefit rises with inflation
Most people insure the house and not the thing that pays for it. The income is the asset. The house is only what it bought.
Questions we get asked
Income Protection, answered
Generally up to about seventy-five percent. Insurers deliberately leave a gap so that returning to work is always the better outcome.
Agreed value fixes the benefit when you apply and proves it once. Indemnity proves income at claim time, which is cheaper but riskier if your earnings have dipped.
A great deal. Moving from four weeks to thirteen often cuts the premium substantially, and it is sensible if you hold savings to bridge the gap.
The cover is the same; the evidence is not. We set it up so your income is documented in a way that will not be argued about at claim time.
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