Income Protection

What it means

Income protection is the planning discipline of asking what happens to your household or business if you cannot work because of illness or injury. It is not about fear — it is about respecting the income that funds everything else.

Who it is for

• Households relying on one or two earners
• Self-employed professionals and business owners
• Anyone who has coverage but does not understand what it actually does

Common misconceptions

• Myth: 'I have enough savings.' Reality: Runway math often surprises people.
• Myth: 'Disability only happens to other people.' Reality: Planning is about structure, not drama.
• Myth: 'My employer plan is enough.' Reality: Group benefits may have gaps worth understanding.

Questions to ask

• How long could we sustain our lifestyle without this income?
• What does my current coverage actually pay — and when?
• Are there gaps between employer benefits and personal needs?