Personal insurance advice: Operating under IFO Peace of Mind Advice Limited.
What we can explore
- Benefit amounts and definitions of disablement
- Waiting periods and payment periods
- Offsets, exclusions and treatment of other income
- Affordability and the cover you have already
Questions you may have
How much of my income could be covered?
Policies normally use an agreed percentage or formula based on eligible earnings, with maximums and other terms. The right amount also depends on household expenses, savings and cover already in place.
Can self-employed people get income protection?
Self-employed applicants can often be considered. Insurers may ask for financial records and may define income differently from a regular salary, so it helps to discuss business structure, earnings patterns and expenses early.
What is the difference between waiting and payment periods?
The waiting period is generally how long you need to be unable to work before benefits become payable. The payment or benefit period is the maximum duration the policy may pay for a qualifying claim. Both affect cost and suitability.
How does income protection work alongside ACC?
ACC can provide support for qualifying accidental injuries, whereas private income protection may address some illnesses as well. Depending on the contract, private benefits can be reduced by ACC payments or other income.
How we work
We begin by understanding your needs and existing protection. Sharleen explains relevant options through the advice process operating under IFO Peace of Mind Advice Limited.
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