It is not a case of whether it is expensive, but rather can you afford to not have it?
The cost of income protection varies based on a few variables. For example Occupation, Age, Male or Female, Smoker/Non-Smoker and Annual Salary.
Income Protection is one of the most important financial decision you can make when it comes time to getting a home loan or having children.
If you are the sole income earner and you were to be injured on your holidays, would you be able to recover and pay the bills? In a great majority of cases the answer would be no. But what if your injury was debilitating? Would you be able to go back to work and continue to earn your same salary?
This is where Income Protection can help. If you are injured outside of work, Income Protection comes in and pays you a percentage of your base salary. This means you can stay home, and recover, then once you are better, resume working.
But if you are unable to work again,
Total Permanent Disability Cover
can also pay you a lump sum to help you change your living arrangements to suit your disability.
Income Protection is the insurance that most Australians forget to take out. You insure your house, car, and contents. But what about the most important asset you have, your livelihood?
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