If only we could see into the future and plan for what’s coming. Unfortunately, there’s no way of knowing what’s up ahead. The best we can do is be prepared for the unexpected – such as a sudden halt to our income.
Debilitating illness and injury can strike suddenly and without warning. If there’s no spare cash, the bills soon pile up, assets you worked hard for have to be sold, and the standard of living you've enjoyed is lost – maybe for just weeks or months, maybe permanently.
If your job provides the bulk of your income, or if you’re the family’s main breadwinner, then taking out income protection is one of the best financial decisions you can make.
Income insurance is also important if you’re self-employed, or are paying off big purchases or debts.
Making a claim against your income insurance is quick and easy once we have your most recent payslips, medical information and other relevant information.And, we’ll offer you a full cash back guarantee for 30 days after your application is approved. So, if you change your mind about anything you can cancel without losing any money.
Qualifying Periods apply after the Cover Commencement Date for Sickness and Injury Cover and mental health related conditions. You will not be paid a Benefit amount for Sickness, Injury or mental health related conditions during Qualifying Periods. A Qualifying Period applies when you first take out cover, and if you increase your Monthly Benefit amount.
Please refer to the Combined Product Disclosure Statement and Financial Services Guide for more information