Insurance
Disability Insurance
Protecting Your Earning Ability
What This Covers
Personal Protection
Income Stream
01
Monthly Income Replacement
Provides ongoing monthly benefit payments during an eligible disability to cover living costs, mortgages, and family commitments.
02
Self-Employed & Contractor Plans
Tailored individual earnings protection for entrepreneurs, consultants, and incorporated professionals without group benefits.
Practice & Business
Commercial Risk
03
Business Overhead Expense
Reimburses commercial rent, staff salaries, utilities, and fixed operational expenses while you are incapacitated and recovering.
04
Policy Terms & Definitions Audit
Reviewing regular-occupation versus own-occupation definitions, benefit durations, and inflation indexation for existing contracts.
Who This Is For
Self-Employed & Contractors
Self-employed professionals and contractors who require individual income protection.
Business Owners
Entrepreneurs whose physical absence would create financial strain on company operations and personal earnings.
High-Earning Professionals
Specialists seeking individual top-up coverage when employer group benefit maximums fall short of their earnings.
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