Protect your most valuable asset with income protection

Income Protection Insurance is a policy that will pay you a gross monthly income if you were unable to work due to an illness or injury. Our most valuable asset in life is time, and our ability to generate an income over time. With the option to insure up to 75% of your monthly income, an income protection insurance policy is an important part of the strategy for you to consider.

Over 80% of people insure their houses, but only 30% insure their income

Why You Need Income Protection Insurance

  • Wide Range of Cover: It covers most illnesses and injuries resulting in you not being able to work
  • Monthly Income: Receive monthly payouts until you’re able to work again
  • Stay on Track: Avoid unnecessary disruptions to your savings and retirement goals
  • Replace 75% of Your Income: It can replace up to 75% of your monthly income
  • Tax-Deductible: Insurance premiums are generally tax-deductible
  • Insure to Retirement: Monthly income can be received right up to your chosen retirement age

Over 2/3 of households don’t have enough savings to last 12 months without working

Case Study – The Value of Income Protection Insurance

Income Protection Insurance Case Study - Australian Expatriate Group - Fee-Based Financial Advice for Australian Expats in Singapore

The Situation

Jason & Susan, 42 and 41, are married and living in Singapore, having moved from Australia 12 months ago. Jason is a Director in a technology firm and Susan is a corporate lawyer in the financial services sector. They have just had their first child and with them both working to save for their family’s future, they came to us to review their current insurance policies. They wanted to ensure that they had sufficient income protection cover to meet their ongoing expenses should either of them be unable to work.

The Solution

We worked with Jason and Susan to review their ongoing expenses, liabilities and financial goals. After reviewing a range of providers, we were able to insure up to 75% each of their incomes, providing them with peace of mind. This insurance policy would provide them with a monthly payment of 75% of their regular income if they’re unable to work due to sickness or disability.


During a particular stressful period at work, Susan begins to work through the nights and getting very little sleep. After weeks of working like this, Susan finally suffers a mental breakdown and is unable to return to work. She starts reviewing medical treatment to get her back on track. We worked with Jason and Susan to submit a claim to their insurance provider and it is granted, providing Susan with a monthly payment of 75% of her salary.

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