An Income Protection policy is not a savings or investment product, and most do not have a cash value unless a valid claim is made.

Astute Protection

Income Protection

Income protection insurance is a crucial safety net that ensures you can maintain financial stability if illness or injury prevents you from working. With this cover in place, a portion of your income is replaced, allowing you to meet your regular expenses, from household bills to ongoing financial commitments.

This type of insurance provides not only practical support but also peace of mind, knowing that unexpected circumstances won’t compromise your financial security.

How Does Income Protection Work?

Policies typically cover between 50-70% of your pre-tax income and activate after a deferred period, which is the waiting time before payments begin.

Common deferred periods range from 4 weeks to one year, with longer deferrals often resulting in lower premiums. Depending on your policy, benefits are paid either for a set duration—such as 1, 2, or 5 years—or until you’re able to return to work, reach retirement age, or in some cases, until death.

Astute Protection ensures your income protection policy is tailored to your needs, helping you balance premium costs, deferred periods, and the length of coverage to provide the right level of financial reassurance.

Why Have Income Protection?

At Astute Protection, we help you navigate your options and find the best fit, ensuring you’re prepared for whatever lies ahead.

Consistent Support

Income protection provides a dependable safety net during periods when you’re unable to work. By replacing a portion of your income, it allows you to keep up with regular expenses such as mortgage payments, utility bills, and day-to-day living costs. This financial consistency ensures you can focus on recovery without the added pressure of financial instability.

Every individual’s situation is unique, and income protection policies reflect this by offering a range of adaptable policies. You can tailor your policy based on your income level, preferred deferred period, and the length of time you’d like the cover to last. Whether you need short-term support or a more comprehensive, long-term solution, we help you customise your policy to suit your financial priorities and lifestyle.

Income protection offers the comfort of knowing your financial responsibilities are taken care of. With reliable cover in place, you can focus on navigating your recovery or adapting to new circumstances without the stress of lost income. This assurance allows you to maintain control over your financial commitments when you’re unable to work.