What we check
- Own occupation vs. any occupationOwn occupation pays if you can't do your job. Any occupation only pays if you can't do any job.
- Lump sum or monthlyLump sum cover pays once. Income cover pays monthly.
- Partial disabilitySome policies pay a portion for partial disability, others pay nothing until it's total.
- Cover amountEnough to adapt your home, clear debt and replace lost earning power.
- Expiry ageDisability cover usually ends at a set age.
- ExclusionsPre-existing conditions and specific activities may be excluded.
Common mistakes
- Only looking at the cover amountThe definition decides whether you're paid at all.
- Matching life cover by defaultDisability needs are often higher than death needs, because you're still alive with expenses.
- Not updating your occupationA job change can change how you're assessed.
Is your current policy still right for you? Policies that were right a few years ago often aren't today. A review costs nothing.
Common questions
Which is better, own or any occupation?
Own occupation is broader and usually costs more. The right choice depends on your job and budget.
Do I need both disability and income protection?
Many people benefit from both: a lump sum for once-off costs and monthly income to live on.
How this applies to you
General information only goes so far. Your age, family, debts and existing cover all change the answer. A free 15-minute call is the quickest way to find out where you stand.