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Income Protection
Income Protection is designed to provide a regular income if you’re unable to work due to illness or injury. It helps cover your essential living costs such as mortgage payments, bills and everyday expenses while you focus on recovery.
Life is unpredictable, and your ability to earn an income is one of your most valuable assets. Income protection offers peace of mind, knowing that even if you’re faced with health challenges, you can maintain financial stability.
Benefits
- Regular income during illness or injury
- Covers essential living costs and bills
- Maintains your standard of living during recovery
- Peace of mind for you and your family
- Can cover up to 70% of your gross income
Critical Illness Cover
Critical Illness Cover provides a financial safety net if you’re diagnosed with a serious medical condition such as cancer, heart attack or stroke. It pays out a tax-free lump sum upon diagnosis, giving you the freedom to focus on your health.
This money can be used however you choose – whether that’s paying off your mortgage, covering medical costs or maintaining your family’s standard of living during recovery.
Benefits
- Tax-free lump sum payment on diagnosis
- Covers serious conditions like cancer, heart attack, stroke
- Freedom to use funds as you need
- Pay off mortgage or other debts
- Access to private medical treatment if desired
Life Insurance
Life Insurance is designed to provide financial support for your loved ones if you pass away during the term of your policy. It pays out a tax-free lump sum that can be used to clear your mortgage debt, cover everyday living costs or help secure your family’s financial future.
Having life insurance offers peace of mind knowing that, should the worst happen, your family is taken care of and can remain in their home without added financial stress.
Benefits
- Tax-free lump sum for your beneficiaries
- Clear mortgage and other debts
- Maintain family’s standard of living
- Cover funeral costs and final expenses
- Peace of mind for you and your loved ones
Family Income Benefit
Family Income Benefit is a type of life insurance that provides your loved ones with a regular tax-free income if you pass away during the policy term. Instead of a one-off lump sum, it pays out a steady monthly or annual income.
This type of protection is ideal for families who rely on a regular income to maintain their lifestyle. It ensures that your loved ones can continue to cover essential expenses without the worry of a sudden financial burden.
Benefits
- Regular monthly or annual tax-free income
- Helps maintain family’s lifestyle
- Easier to budget than a lump sum
- Covers ongoing household expenses
- Financial security for your dependents
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