You can’t predict the future. But you can plan for it.

Liberty Lifestyle Protector
Income Protector

We often like to think “it won’t happen to me.” It’s human nature. Unfortunately, the truth is that an injury or illness can happen to any of us – at any time. If it does, it can impact your ability to do your job and earn an income.
Income Protector is designed to give you the reassurance that your income will be covered. It provides you with monthly payments should you be temporarily or permanently unable to do your job due to an occupational disability or if you suffer permanent impairment.
An illness or disability may not be the only reason you are unable to earn an income.
That’s why Income Protector includes Child Illness Protector should your child become terminally ill and you need to care for them.
So, what makes Income Protector better?
The Bonus Cover and Dual Occupation features cover your annual cash bonus and income from your second occupation.

Highlights of the Income Protector benefit

Who is it for?
Anyone who wants to be able to provide for themselves and their family should they become occupationally disabled or permanently impaired.

What is it?
Income Protector is part of our income protection suite of benefits designed to give you as much cover as you will need, should you be unable to work due to an occupational disability or permanent impairment.

Why is it better?
You have peace of mind that your income is covered to get you through
the tough times.

How long will the income pay out for?
You can choose to protect yourself for up to 24 months or your whole
working life. You can also include post-retirement protection.

What am I covered for?
Your full or partial loss of income will be protected.

Certainty in uncertain times

Features of Income Protector:
It’s comprehensive. It includes features like Child Illness Protector and Claims Booster at no additional cost to you. Dual Occupation means your second income stream can also be covered, and the Future Income Assessment feature means that you will increase your cover if your income increases.

It’s flexible. You are able to choose the amount of cover you want and the cover period, up to the age of 60, 65, 70 or Whole of Life.

It’s immediate. If you are self-employed and select our seven-day backdated waiting period, it will only be paid after the 7 days (not immediate) but payment will be backdated to day 1. Alternatively, you can choose between the 1, 3, 6, 12 or 24-month waiting period.

It’s tailored to your career. If you’re a professional, you qualify for preferential premium rates. Young professionals also qualify for a Super In-Claim Escalation.

It’s inclusive. Income Protector also caters for professional and non-professional occupations.

It reinstates. You are covered for multiple claims if you haven’t received the maximum number of payments or if your new condition is unrelated to the condition on which previous claims have already been paid.

Premium waived during a claim. We will waive your monthly premium while your Income Protector claim is being paid.

It’s clear. Through our impairment definitions, you have the reassurance that all valid claims will be paid.

Contact Ginsburg Financial Services for more information

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