Income protection pays you a regular monthly income if you can’t work due to illness or injury. It’s designed to help you keep up with essentials like your mortgage, bills, and living costs.

You choose:

How much of your income to protect (within insurer limits)

How long it pays for (often until retirement)

A deferred period (waiting time before it starts, longer usually means lower premiums)

Critical illness cover pays a tax-free lump sum if you’re diagnosed with a specified serious illness (such as cancer, heart attack, or stroke—exact conditions vary by insurer).

It can help cover mortgage payments, time off work, treatment costs, or adapting your home during recovery.

Most policies include: eligibility rules, exclusions, and a survival period before payout.

Children’s cover is often an optional add-on to an adult critical illness policy. It can provide a lump sum if your child is diagnosed with a covered condition (criteria varies by insurer), helping with costs like travel, childcare, time off work, or additional support at home.

Family Income Benefit is life insurance that pays a regular, tax-free monthly income to your family if you die during the policy term (rather than one lump sum). It’s often used to help replace income and support day-to-day costs like the mortgage, bills, and childcare until a chosen end date (for example, until children finish education).