Never Lose Your Monthly Paycheck
Ensure a steady stream of income if temporary or permanent illness or injury leaves you unable to work.
What it is & Why it matters
Unlike lump-sum disability cover, income protection replaces a high percentage of your monthly salary until retirement age if you are medically unable to perform your specific occupation. It bridges the gap so your daily bills, bond, and grocery expenses are always paid.
Whole of life protection
A market-leading product that protects you for whole of life and will pay your monthly income if you are unable to work due to sickness or injury. It includes the ability to protect your annual bonuses and full lifestyle protection.
Additional income at retirement
10% of your income continuation premium accumulates to fund additional retirement savings through your income continuation benefit that pays out in equal instalments from age 65.
Top-up income continuation benefit
Protect up to 100% of your income (after tax) on temporary disability for up to 24 months by combining the Top-up Income Continuation Benefit with the Income Continuation Benefit.
Protect your annual bonuses
We recognise that many people earn a substantial portion of their income through annual bonuses. You can select to protect your annual bonuses for up to five years upon experiencing a qualifying permanent disability through the Performance Bonus Protector.
Key benefits
Replaces up to a significant portion of your gross monthly salary.
Continues paying out until your chosen retirement age.
Protects your family from sudden lifestyle drops due to medical downtime.
Related products
Disability
Secure a financial safety net if an injury or illness prevents you from ever working again.
Life Cover
Protect your loved ones against life's uncertainties with tailored life insurance payouts designed to clear debts and maintain their lifestyle.
Medical Aid
Navigate South Africa's complex healthcare schemes to find the optimal day-to-day and hospital cover for your family.
Frequently Asked Questions
Below are some of the most common questions we cover regarding our wealth management, investment, and insurance services.
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