I'm an adviser looking for solutions for my customers.
We offer a range of income protection products including Income Care, Income Care Plus, Income Care Platinum, Income Care Super (within Total Care Plan Super), Essential Cover (for accidents only), Income Protection (within the SMSF Plan) and Business Overheads Cover.
Income protection pays up to 75% of your clients' income when they’re unable to perform all or part of their occupation due to injury or illness.
Business Overheads Cover helps pay your clients business’s regular fixed operating expenses while they’re unable to work.
Income Care and Income Care Plus is available outside superannuation and provides up to 75% of the insured’s income when they are unable to perform all or part of their occupation.
You should consider income protection if your client:
Income protection inside Total Care Plan Super covers up to 75% of the insured’s income when they are unable to perform all or part of their occupation.
You should consider income protection if your client:
Income protection inside the SMSF Plan covers up to 75% of the insured’s income when they are unable to perform all or part of their occupation.
You should consider income protection if your client:
You should consider Business Overheads Cover if your client is self-employed.
Business Overheads Cover is available outside super, it provides up to 100% of the insured’s regular fixed operating expenses of the business while they are unable to work.
Essential Cover is available inside and outside super as well as SMSF, it provides up to 75% of income in the event of an accident and are indemnity contracts.
You should consider Essential Cover if your client:
