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Gold Coast Income Protection insurance pays you a monthly benefit while you cannot work. It can pay up to 75% of your income each month you are off work whether you are off work for a few months, a few years, or even if you were to be off work until you are age 70. Income Protection allows you to recover while off work so that you don’t go backwards financially after your sick pay runs out.

Income Protection insurance (salary continuance insurance) is essential for the majority of working Australians. If you rely on your income to live, then you need income protection if you cannot work due to an illness, injury or accident, whether is happens at work, at home or on holiday.

Why should earners have Gold Coast Income Protection insurance?

  • To give you and income when yours stops due to injury, illness or accident.
  • Provide the ongoing income you need to pay the mortgage, provide food, pay bills and meet everyday living costs that you depend on your wage to provide.
  • Remove the worry and stress that losing an income can have.

Other factors to be aware of with Gold Coast Income Protection:

  • Premiums can be tax deductible and/or paid from your superannuation.
  • Income protection insurance also has a waiting period (the time before you can be paid) and a benefit period (how long you can get paid for). The waiting period can be between a few days through to 2 years, the most common is 30 days. The benefit period can be between 2 years and up to age 70 for some occupations.
  • You can also ensure the amount of Income protection cover you have increases each year with inflation.
  • Premiums can be paid monthly, half yearly or annually. And you can have all or most of your Income Protection cover paid from your Superannuation.
  • You can choose to have an agreed value or an indemnity income protection policy. Agreed value locks in the amount of income you will receive so even if your income drops you will still get paid the amount insured. Indemnity means the amount you get paid out will be determined by how much you have been earning during the 2-3 years before you make a claim.

Income Protection Insurance is the most commonly claimed personal insurance. Yet many Gold Coast people and Australians do not have this cover because they don’t want to pay for it. We insure our car, but not our income.

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What our clients have to say

Steve Pollard is a highly professional and ethical financial planner, who practices what he preaches. He is on the few financial planners to have provided independent fee for service advice since he started in the industry. I trust Steve to provide quality advice to me, my friends and clients.

Andrew Wegener Aquila
Andrew Wegener

Every time I see Steve present at a seminar, I realise it is so much more than financial information, which anyone can provide, and more about finding the right motivator. Steve definitely knows how to motivate in a friendly non confronting manner. I can see why his greatest successes are with clients that stay with him year on year.

Greg Davies Davies Home Loans
Greg Davies

I have know Steve pollard personally now for a couple of years and meet with him once a week for breakfast. He is literally a breath of fresh air as I have always been wary of Finance Advisors in the past. Steve is now working with myself and my partner to help build a financial plan for the future and has really opened my eyes to the possibilities there are. I totally recommend that if you are looking at advice for your personal or business matters to book a time to Steve as you won’t be disappointed.

Sam Skehan "Great Advice"
Sam Skehan

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