About Income Protection

Income Protection Insurance is an insurance product that protects your income in the event of you being unable to work because of an accident or sickness.

It pays out until you die, retire, go back to work or reach the end of the agreed policy term.

As with many other insurance products, Income Protection policies come in all shapes and sizes and it is important that you find the right policy for you. Different providers have different criteria for the type of accident or sickness their policies will cover.

Policies pay out after you have been off work for a period of time known as the "deferred period", and will continue to pay out until you can get back to work or until the end of the policy term, whichever is soonest.

You can choose a deferred period from 1 day up to a year, depending on how long you may be able to survive on any savings or how long you receive sick pay from your employer.

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