Income Protection Insurance
Protect your most valuable asset—your ability to earn income. Disability insurance provides financial security if injury or illness prevents you from working.
Why Income Protection Matters
Your ability to earn income is your most valuable asset. A serious illness or injury could prevent you from working for months or years. Income protection insurance ensures your bills get paid even when you can't work.
Replace Lost Income
Receive 50-70% of your income while you recover and can't work.
Protect Your Lifestyle
Keep paying your mortgage, car payment, and other bills without dipping into savings.
Financial Security
Focus on recovery instead of worrying about finances during a difficult time.
Income Protection
Financial stability when you need it most
Income Protection Coverage Options
Choose the disability insurance coverage that fits your needs and budget. We offer flexible options for every situation.
Short-Term Disability
Coverage for temporary disabilities lasting 3-6 months. Benefits start quickly, often within 1-2 weeks.
Long-Term Disability
Extended coverage for disabilities lasting years. Benefits can continue until recovery or retirement age.
Group Disability
Employer-sponsored disability insurance for businesses. Cost-effective coverage for your entire team.
Key Features
Our income protection plans include valuable features designed to protect your financial security.
Tax-Free Benefits
If you pay premiums with after-tax dollars, your disability benefits are typically tax-free.
Guaranteed Renewable
Your coverage can't be cancelled as long as you pay premiums, regardless of health changes.
Flexible Options
Choose your waiting period and benefit duration to match your needs and budget.
Partial Disability
Many policies cover partial disabilities, paying reduced benefits if you can work part-time.
Who Needs Income Protection?
Professionals
Doctors, lawyers, consultants, and other high-earning professionals who depend on their specialized skills.
Business Owners
Entrepreneurs whose businesses depend on their active involvement and leadership.
Primary Earners
Anyone whose family depends on their income for mortgage, bills, and daily living expenses.
Young Professionals
Early career professionals building their future who can't afford an income interruption.
Self-Employed
Freelancers and contractors without employer disability benefits who need portable coverage.
Growing Families
Parents with increased expenses and financial responsibilities who need income stability.
Protect Your Income Today
Don't wait until it's too late. Our income protection specialists will help you find the right disability coverage to secure your financial future.