Income Protection

Safeguard Your Lifestyle. Preserve Your Financial Stability.

Your ability to earn an income is your greatest asset. If an illness or injury prevents you from working, how would you continue to meet your financial obligations and maintain your lifestyle?

At Salus Risk, we provide tailored Income Protection solutions designed to ensure you receive a regular income when you need it most—helping you focus on recovery without financial pressure.

What Is Income Protection?

Income protection (also known as disability income insurance) pays a monthly income if you are temporarily or permanently unable to work due to illness, injury, or disability. It replaces a portion of your income until you recover, reach retirement, or the policy term ends.

WHY IT'S IMPORTANT

Replaces Lost Earnings

Ensures your salary continues, even if you can’t work for an extended period

Protects Your Family’s Lifestyle

Covers daily living costs, bond repayments, school fees, and more.

Preserves Investments

Avoid dipping into savings, retirement funds, or selling assets.

Supports Recovery

Alleviates financial stress so you can focus fully on regaining health.

Essential for Self-Employed Professionals

No employer sick leave means you need personal cover.

Contact us for Income Protection tailored to your specific needs

Specialist Options for Professionals

At Salus Risk, we also provide specialist cover options for individuals in high-risk or licensed professions, such as:

Loss of Licence Cover – Tailored for pilots and aviation professionals, protecting income in the event of losing your licence due to medical reasons.

Capital Disability Cover – Pays a lump sum in the event of permanent disability, ideal for those with significant personal liabilities or who wish to settle debt.

Benefits of Income Protection Cover

Preserve Your Income. Protect Your Lifestyle.

Income Protection Cover is one of the most valuable forms of personal insurance. If illness or injury prevents you from working, it ensures you continue to receive a monthly income—so your financial obligations are met, and your standard of living is maintained.

At Salus Risk, we structure income protection solutions around your career, earnings, and lifestyle—because protecting your income is protecting your future.

1. Replaces Lost Income

If you’re unable to work due to illness, injury, or disability, income protection pays a monthly benefit—allowing you to cover everyday expenses like mortgage payments, school fees, utilities, and groceries.

2. Maintains Lifestyle Stability

Your lifestyle shouldn’t suffer due to unforeseen medical events. This cover ensures that you and your family can continue to live comfortably while you focus on recovery.

3. Prevents Asset Liquidation

Without income protection, many people are forced to dip into savings or sell off assets during prolonged illness. This policy protects your wealth by covering your income without touching your investments.

4. Supports Long-Term Recovery

Removing financial stress allows you to concentrate on your health, complete rehabilitation, and return to work when you’re truly ready—not when bills start piling up.

5. Flexible & Customisable

Choose benefit amounts, waiting periods, and payment terms that suit your financial plan. We also provide specialist options like loss of licence cover for professionals such as pilots, and escalating benefits to match rising costs of living.

6. Complements Your Financial Plan

Income protection works alongside life, severe illness, and disability cover to provide a complete risk solution. It fills the gap between medical aid and life cover—offering ongoing income, not just a lump sum.