Personal Income Protection

Protecting your income is about guaranteeing the continuation of your income throughout periods of poor physical or mental health. We may look at protecting your income with an Income Protection policy that pays you up to 75% of your income while you are unable to work. The premiums are tax deductible and can be structured inside and outside of super.

It is designed to replace your income, so that you can use it to pay your rent or mortgage, groceries, utility bills, and children’s school fees. You can guarantee your current level of income until retirement with an agreed value policy.

Unbelievably 83% of Australians say they have insurance for their car while only 31% insure their ability to earn an income with income protection insurance