Employee Information

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Redundancy / Unemployment cover

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Protect what matters most by protecting your income.

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Many of us today have already spent tomorrow’s income before we get it. 

ASK YOURSELF THIS – HOW LONG COULD YOU SURVIVE IF YOUR WAGE INCOME STOPPED TOMORROW?

Truth is many of us would be as little as 3 weeks from bankruptcy if our income stopped! Don’t let your financial future hit the wall!

Protect what matters most to you by insuring your future income.

  • You lose your house
  • You lose your car
  • You have to sell your investments
  • You go bankrupt
  • You can’t pay the children’s school fees
  • You can’t buy the groceries

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Struggle to feed the family
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Mortgagee Sale
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Car Repossessed
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Holidays Cancelled

How do you insure your future income?  You do it by investing in your future by putting in place a quality income protection insurance policy (sometimes called salary continuance). Quality is the key term here.


There are many so called income protection policies that some of you may have via superannuation and some employer schemes however in many cases these are of inferior quality to what most of you need.

Issues like:
  • own vs any occupation definition
  • waiting periods before claim is payable (how long off work)
  • how long can you be on claim (should be to age 65)
  • definitions of disability
  • will it pay for partial reduction in income

Remember it isn’t just one years income you could miss out on! It could be your income for the rest of your normal working life.  If you haven’t done so already calculate what you could miss out on by using our future income calculator.

As an employee you may be covered by Workcover insurance but this drops out after 6 months on claim and does not cover illness or injury outside work hours.

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All information on this site is of a general nature, no personal adivce is provided. You must consider the information in relation to your own overall financial situation