The Power of Income Protection

Your income is more than money – it’s your security, your stability, and your independence.

When illness or injury prevents you from working, the effects can be devastating – both financially and emotionally. For many people, missing even one month’s income can mean falling behind on bills, rent, or mortgage payments.
That’s where income protection can make a life-changing difference.

Why does Income Protection matter?

It replaces your income:
Income protection pays you a monthly benefit when you’re unable to work due to illness or injury. This allows you to continue meeting essential living costs.

It supports recovery:
Many policies also offer a rehabilitation fund. This money can be used to pay for services like counselling, physiotherapy, or workplace adjustments, helping you return to work at the right time.

It offers flexibility:
Even if you return to work part-time or in a limited role, you may still receive part of the benefit to make up for the loss of earnings.

It provides peace of mind:
Perhaps most importantly, it removes one of the biggest worries during recovery – how to pay the bills.

A Real-Life Scenario (Anonymised)

One of our clients recently had their claim accepted under an income protection policy. Their benefit started recently, with regular monthly payments and an initial payment was made, and premiums paid after the claim date were refunded.
They also have access to a rehabilitation fund to support services that may help them return to work safely.

This support has given them financial breathing space to focus on getting better without pressure or panic.

Should You Consider It?

If you rely on your monthly income to maintain your lifestyle, pay your mortgage, or support your family, the answer is likely yes.

Ask yourself:
If I couldn’t work for three months, how would I cope financially?

If the answer worries you, it might be time to talk to a us about income protection.