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Income Protection replaces your income when you are unable to work due to sickness or injury. The policies today provide cover for the employed and self-employed. Income Protection can be set up to replace your income from the first day you are absent from work. This cover can remain in place until your selected retirement age. E.g 68 / 70.
Once a policy is put in place you can claim each and every time you are absent from work due to sickness or injury.
Policies can be adapted to commence when employer’s benefits are reduced or ceased.