How will I pay my bills if I can’t work? Your guide to Income Protection.

Picture this: you’re struck down with a serious illness or injury that keeps you off work for months. And the kicker … you have no sick days left.

This is where income protection insurance is so valuable.

Income protection insurance acts as your income replacement when illness or injury sidelines you from work. It’s designed to pay you a portion of your regular income so you and your family can maintain your standard of living while you focus on getting better.

Staying on track with your financial goals

Whether you’re saving for a house deposit, building your retirement nest egg, or putting money aside for your children’s education, a steady income is the foundation of all these plans. Income protection insurance helps ensure that a health setback doesn’t derail years of careful financial planning.

Instead of raiding your savings or going into debt, you can continue meeting your commitments and working towards your goals, even when you’re temporarily unable to earn.

The best solution for your situation

Our Insurance Advisers can tailor your cover to match your circumstances and budget.

• your waiting period (how long you’re off work before payments start),
• your benefit amount (up to the maximum percentage of your income that can be insured), and
• how long you want cover to last.

It’s about finding the right balance for your situation.

Getting the right advice

While understanding income protection is important, navigating the different insurers, policy options, and fine print can be overwhelming. This is where our Insurance Advisers expertise becomes invaluable. We can cut through the complexity, compare your options, and help you find cover that truly fits your needs and budget.

Ready to protect your income and secure your family’s financial future? Get in touch with Judy or Hayley for personalised advice that’s tailored specifically to your situation.

Photo by Andrea Piacquadio.