Income Protection Services Perth
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If you work you probably rely on your income to survive, and also that you will have it in the future. However, if an injury or sickness prevents you from working and earning a living, income protection can be invaluable.
Things don’t always go to plan, and having income protection – which is exactly what it sounds like – can provide valuable peace of mind and reassurance.
As a general rule, you can expect to have up to 80 percent of your salary covered by income protection in the form of monthly payments in the event that you can’t work.
Whether it’s paying your monthly bills, covering your rent or mortgage payment or simply being able to buy the groceries, this income protection can help.
Any major events that take place between the time you apply for the insurance and the time the coverage begins will need to be brought to the attention of your advisor. If there are any factors that may influence the decision to provide you with coverage, you will need to let your life insurer know about them.
Your claim may be refused if you aren’t able to provide your insurance company with a detailed medical history, and most income protection requests will need that information. If you request life insurance again at some point, your claim may be refused if this information isn’t provided.