- Think about how much cover you need – for your every day bills like your mortgage, groceries or utilities*
- What waiting period suits your needs between fourteen days and two years**
- What benefit period suits your needs do you require two or five years, or up to age 65
* The maximum cover you can request is usually 75% of your gross income
** This is the time between you becoming disabled and receiving your first income protection payment. A shorter waiting period usually means a higher premium
*** This is the period during which you receive your income protection payments
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