Income replacement is designed to assist employed and self-employed individuals to stay afloat should they become temporarily or permanently disabled due to accident or illness and, as a result, are unable to work in their own or a similar occupation.
In the case of impairment or disability, our benefits pay a monthly income for 24 months. For self-employed individuals we have a Business Overhead Protector which can pay a monthly income benefit for 12 months. This benefit covers the business’s overheads, including staff salaries.
We offer 3 income replacement benefits:
Business Overhead Protector