Without the safety net of a large company employee benefits package, you can face real financial hardship in the event of illness or a chance injury.

Let’s face it, a short term interruption to your income can interfere with your ability to meet your commitments and expose you to grave financial loss, resulting in long term damage to your credit rating. But there are ways that you can protect yourself from hardship.

Our Income Protection services take into consideration these realities and offer ‘contractor friendly’ policies that can entitle you to benefits that a permanent employee enjoys. We assure you the providers make it a point to understand the nature of your income as many policies that will pay out solely on salary, and have an excellent track record of meeting past claims.

Benefits are tax free when premiums are paid personally, but are taxable when paid through your company.

We endeavour to provide schemes that pay you a tax free income from the very first day of any illness or injury, without harassing you with lengthy waiting periods.