Why can't I cover 100% of my income?
Income Protection cover is available for up to 75% of your income to provide an affordable level of financial protection in the event of sickness or injury, and to provide an incentive for the recipient to return to work. This often allows you to pay for expenses and focus on returning to work. To ensure that this benefit is in proportion to your lost income, it is based on your income during the 12 months immediately prior to any claim. This insurance is not designed to place you in a better financial position than you were before you made a claim.