Income Protection

With Income Protection, you can rest assured that if ever illness or injury keeps you from working and puts a dent in your income, there's still help available. So even during tough times, life goes on - bills get paid and mortgages remain covered each month.

How does income protection insurance work?

Have you ever thought about what would happen if suddenly, through an unexpected illness or injury, your income stopped? Income protection can give you the security of knowing that a fixed amount or percentage of your earnings (after the deferred period) will continue to be available should any such unplanned circumstance arise.

What is a deferred period?

Income protection policies usually come with a deferred period - it is a period of time you have to wait before the policy pays out. The deferred period is the first day you're unable to work to when you will be eligible for a benefit payment. Speak to your Embrace Adviser for your options, usually you can pick the period of time that best suits your budget.

Do I need income protection insurance? 

If you're worried about what would happen to your finances if illness or injury kept you from work, income protection insurance is something worth looking into. It can help cover regular bills when statutory sick pay and savings don't go far enough - so even if the unexpected happens, you're protected financially. 

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