You said: “If you don’t have this, you need it. Forget your house: your income is your most valuable asset.”
But my point last week was this: what would you do if sickness or injury meant you weren’t able to earn income? Income protection insurance falls under the risk category of insurance. This is not about protecting stuff but protecting yourself and/or your family. Typically, payouts on new policies today are based on what you earn in the 12 months before claiming . You proved your income when you applied for your policy – your potential payout is known and non-negotiable.
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