Income Protection Insurance | Personal Insurance

A back-up plan that works when you can’t

You might be healthy now, but none of us know what the future holds. Income protection insurance helps you provide for yourself and the people you care about if things don't go to plan.

What is income protection insurance?

If you develop a disability, accident or a serious illness that prevents you from working, income protection insurance will pay a portion of your regular salary. You can focus on your recovery, reducing the stress of paying for household expenses.

Income protection usually lasts between two to five years or until retirement age, depending on the plan you select. It covers you against an extensive list of illnesses and pays out in instalments.

What should I keep in mind?

Most of us would struggle to cover our living costs if we became unable to work.

It’s a good idea to consider income protection insurance if you don’t have:

A partner whose income could cover household expenses
A pot of savings you could use to pay your bills
A workplace scheme that offers medium to long-term sick pay
An existing relevant insurance policy in place.

Insurance protection insurance is also popular with self-employed people who don’t have access to employee benefits.

You'll need to consider:

How much protection you require
A suitable deferral period (the amount of time you could wait before receiving payments)
Whether you need additional forms of personal protection cover.

How can Trulife help?

Finding an income protection policy that suits your circumstances can take time. Trulife simplifies the process, helping you find insurance that meets your needs.

We'll offer guidance on:

How to choose a suitable level of cover

Policy T&Cs

Additional forms of personal protection cover

What next?

If you’d like to explore income protection insurance, talk to Trulife. We’ll quickly connect you with a member of the team and find a policy that works for you.

Let's chat