Protect earning capacity
Consider recurring commitments and how long they would continue if income were interrupted.
PERSONAL PROTECTION
Protect the plan from the unexpected.
Protection planning considers the financial consequences if income, health, ability to work or life changes unexpectedly.
THE ROLE OF PROTECTION
Protect people, income and plans.
Protection is not only about a policy. It is about understanding what financial responsibilities continue if life changes.
Protect dependants
Map who relies on your income or support and which costs would remain.
Protect long-term plans
Consider debt, education, housing, estate liquidity and other obligations.
BEFORE YOU CHOOSE
Read beyond the headline benefit.
- Benefit definitions and qualifying events
- Waiting periods, exclusions and limitations
- Premium structure and future changes
- Underwriting requirements
- Claims evidence and notification process
- Beneficiary and ownership arrangements
Already have cover?
Bring recent policy schedules or benefit statements to a review so existing arrangements can be considered before adding, replacing or cancelling anything.
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