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04 — Disability & Income Protection
Protect your ability to earn.
Your income is one of your most valuable financial assets. Disability and income protection solutions are designed to provide financial support if illness or injury affects your ability to work.
Protecting your financial security
An unexpected illness or injury can affect your ability to earn an income, placing pressure on household finances and long-term plans. We help clients understand the range of disability and income protection solutions available, and how these can be structured to provide financial support during periods of temporary or permanent incapacity.
These solutions are designed to work alongside life insurance and other protection products as part of a coordinated financial plan.
What We Help You Consider
- Capital disability cover
- Income protection
- Temporary disability protection
- Permanent disability protection
- Salary protection
- Protection against loss of earning ability
In Detail
1 Capital Disability Cover
- Lump-sum benefit following qualifying disability events
- Can help settle debt or fund lifestyle adjustments
- Structured around personal financial commitments
2 Income & Salary Protection
- Regular income replacement during incapacity
- Helps maintain household cash flow
- Available for a range of occupations and income levels
3 Temporary Disability Protection
- Support during short- to medium-term incapacity
- Bridges the gap while recovering or transitioning
- Complements longer-term protection solutions
4 Permanent Disability Protection
- Financial support for long-term or permanent incapacity
- Structured around long-term financial obligations
- Coordinated with life cover and estate planning