Loss of income

Ensure that if you were temporarily or permanently disabled that you had a plan to replace your income.

Disability cover is insurance to avoid that loss of income. Statistics show that 1 in 12 working individuals will suffer from a temporary or permanent disability or illness in their working career.

Ask yourself the following questions:
1) Can I afford to self fund my income?
2) Can I live off my savings, if so for how long?
3) Does my employer offer income disability insurance?

If you cannot answer yes to any one of these questions, then I strongly recommend that you insure yourself.

There are a number of income protection options, all designed to suit your particular needs.

Once again only a professional financial advisor would be able to assist you with the above.

Shirley Brewer