Questions To Ask The Advisor for Income Protection

When will this plan benefits start ? If I cant do my job?, If I cant do any job? Or if I cant perform a number of tasks?

After what amount of time will the benefits start and until what age?

What are the exclusions?

Is there an investment element?

Is the premium a guaranteed or reviewable premium?

Does the premium include waiver of premium (Payment Protection)?

How much will I be paid?

Will I be paid the full amount throughout the term or will it reduce?

Will this affect any state benefits?

Is this policy suitable for self employed people?

What should I do if I change jobs?

Will my income increase with inflation?

Is it necessary to have a job to take out this cover?

What are the exclusions?