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Purpose: Provides up to 85% of your pre-tax income if you are unable to work due to accident, illness or injury. Income Protection Insurance can be held inside or outside superannuation
Why should you have it? Income Protection Insurance is important if you are self-employed and you are heavily reliant on your regular wage. It is also important if you have family members or dependents that are reliant on the income you earn and you have debt such as a mortgage or personal loan and you need to make payments even if you are unable to work.