Safeguard Your Future: Why Income Protection Matters



Life is full of unexpected turns, from sudden illness to unforeseen accidents, that can disrupt not only your routine but also your financial stability. For many professionals and families, income protection insurance serves as a financial safety net, ensuring that when you’re unable to work, your income doesn’t stop.

What Is Income Protection?

Income protection is a type of insurance designed to replace a portion of your income if you’re unable to work due to illness or injury. Unlike critical illness or accident-only cover, income protection provides regular payments — often up to 60–70% of your gross salary — until you recover, return to work, or reach retirement age, depending on your policy.

This coverage gives you peace of mind, knowing that your essential expenses — mortgage, rent, utilities, school fees, or daily living costs — can continue to be met, even if your ability to earn an income is interrupted.

Who Needs Income Protection?

Almost everyone who depends on their paycheck could benefit from income protection. If you’re:

Self-employed or a business owner, with no access to sick pay

An employee, whose employer provides only short-term sick leave

A family’s primary earner, responsible for most household expenses

A professional with financial commitments, like a mortgage or car loan

…then income protection can be one of the most valuable financial tools you own.

How Does It Work?

When you take out an income protection policy, you’ll choose:

Benefit amount: The percentage of income you’ll receive if you can’t work

Deferred period: The waiting time before payments begin (e.g., 4, 8, or 13 weeks)

Payment term: How long benefits will continue — short-term (1–2 years) or long-term (to retirement)

The shorter the waiting period and the longer the payment term, the higher the premium — but also the stronger your safety net.

Why It’s Worth It

The reality is that illness or injury is far more common than most people realize. According to industry data, a typical worker is more likely to be off work for six months or longer before age 65 than to die before retirement. Without income protection, the financial consequences can be devastating.

Income protection offers:

Financial resilience — You can maintain your lifestyle and meet obligations

Peace of mind — Focus on recovery, not on bills

Flexibility — Cover can often be tailored to suit your career and budget

Partnering With Aviella Consulting

At Aviella Consulting, we understand that every client’s financial journey is unique. Our advisors work with you to evaluate your income needs, assess existing benefits, and identify the most suitable protection plan to safeguard your financial well-being.

We’ll guide you through the complexities — ensuring you understand the options, benefits, and costs — so you can make confident, informed decisions about your future.

Secure your income. Secure your peace of mind.

Contact Aviella Consulting today to discuss how income protection can fit into your financial plan.