INCOME PROTECTION
Protect the Income Your Family Depends On
Keep your household running even if your ability to earn is interrupted.
Overview
For most households, income is the engine behind every financial goal. Income protection is the strategy that keeps that engine running when illness, injury or an unexpected loss interrupts it.
It ensures your mortgage, daily expenses, education, and loans remain fully covered without liquidating assets.
We start by mapping what your household actually needs each month, then look at what your existing coverage and employer benefits would replace. The gap between those two numbers is the conversation.
Who its For
- Primary earners supporting a partner, children or parents
- Self-employed professionals with no employer sick pay
- Homeowners with long-term mortgage obligations
- Anyone whose savings would run out within a few months of lost income
BENEFITS
How I Help Protect Your Family’s Future
Disability income insurance Analysis and Placement
I help you evaluate your options and choose the right disability income policy to protect your paycheck if illness or injury keeps you from working.
Emergency Fund Strategy Development
I'll help you figure out how much to save for emergencies then create a plan to save for short-term emergencies, so you have a cushion when the unexpected happens.
Income replacement ratio calculations
I run the numbers on your expenses and lifestyle to determine how much income your family would need to maintain their lifestyle if you couldn't work.
Short-Term and Long-Term Disability Coverage Coordination
I make sure your short-term and long-term disability policies work together seamlessly, so there are no coverage gaps if you're unable to work.
Group Vs. Individual Policy Comparison
I compare your employer's group coverage against individual policies, showing you the trade-offs so you can decide what actually protects you best.
Critical Illness and Accident Coverage Supplementation
I show you how critical illness and accident policies can supplement your existing coverage, so unexpected costs don't derail your finances.
FAQS
Questions people ask first.
Your employer’s cover is a strong starting point, but group cover is usually capped, taxed differently and ends when the job does. We review what you have before recommending anything additional.
An initial consultation is about 45 minutes. Putting a plan in place typically takes a few weeks depending on underwriting requirements.
If your job is the main source of income, or if you’re the family’s main breadwinner, then taking out Income Protection could be one of the best financial decisions you can make.