Income Protection
Income protection is a type of insurance that pays you a regular income if you cannot work because of illness or injury. It is designed to replace a significant portion of your lost earnings, helping you cover your living costs while you recover.
The cover can last for a fixed term, such as two years, or until a specific age, which is often aligned with your state retirement age. The amount you pay for this cover is called a premium. These premiums can be guaranteed, meaning they will not change throughout the policy term, or they can be reviewable. The insurer periodically reassesses reviewable premiums and may increase over time.
THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
Critical Illness
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