Income Protection Insurance - Checking the small print

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Checking the small print

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Once you have found a suitable income insurance policy remember to check the small print before signing on the dotted line.

Different providers can have major differences in their terms and conditions, so it is important to be aware of the small print. Keep a close eye on certain clauses such as making sure the policy’s maximum benefit limits are not ‘lower than average’ and whether the insurer will pay out if you are unable to do your “own occupation” or “any occupation.”

The better policies will pay out if you are unable to do your “own” occupation, but some will only pay if you are unable to perform particular daily routines, and others only pay if you are unable to do “any occupation” at all.

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