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Your income is worth more than your house, yet most people insure the house and gamble on the income. Income protection replaces a portion of your pay if illness or injury stops you working — and the policy details (definition of disability, waiting period, benefit period) matter more than the premium. This guide decodes those details and shows why the cheapest policy can be worthless at claim time while a slightly dearer one quietly saves a family.
policy fit report
Income protection replaces a percentage of income during temporary incapacity; disability insurance pays a lump sum for permanent loss — many people need both, structured differently.
The longer the wait (30-90 days), the cheaper the premium — fund the gap with your emergency savings and take the longest wait you can survive.
It means you're paid if you can't do YOUR job — the strongest definition. 'Any occupation' only pays if you can't do any job, and is much harder to claim on.
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