Our income protection insurance guarantees you a monthly income if you are unable to work due to illness, impairment, or disability.
Income protection is vital because it provides a lifeline when you’re unable to work due to illness, impairment, or disability. The stress of losing your income during such challenging times can be overwhelming, but this coverage ensures you can still support your family, pay your bills, and keep your home. It offers peace of mind and security, allowing you to focus on healing without the constant worry about finances.
Income protection provides a monthly income if you can’t work due to illness, impairment, or disability, ensuring you can meet financial expenses like school fees or mortgage payments. Life insurance, on the other hand, ensures your loved ones are financially supported in the event of your death. With Momentum, you can secure both types of coverage for comprehensive peace of mind.
Your financial needs can change in an instant, especially if you become disabled. With the Complete Income Protector Benefit combined with the Permanent Disability Enhancer rider benefit, you get the ultimate flexibility in replacing your income. This combination offers the best features of both income disability and lump sum disability benefits.
You’ll be covered for temporary and partial disabilities, something lump sum benefits alone don’t provide. Plus, if you qualify, you can receive lump sum payouts under the Permanent Disability Enhancer Benefit. This flexibility means you can choose lump sum payouts to settle large expenses like a mortgage or significant debts, or opt for monthly income payouts to cover your regular living expenses.
Personalised Income Protection premium discount of up to 35% with LifeReturns®.
Momentum’s LifeReturns® offers straightforward, powerful savings on your life insurance premiums. Save up to 35% on your monthly premium with a personalised discount, without the hassle of complex procedures. Using a smartphone-based digital screening process that takes just 90 seconds and a brief questionnaire, you can secure significant discounts on your premiums.
Momentum clients can enjoy a myriad of benefits, with some being automatic and others available as additional options. This flexibility allows clients to tailor their coverage to meet their specific needs and preferences, enhancing their overall experience and satisfaction with Momentum’s services.
Increase your cover in line with salary growth, ensuring your protection keeps pace with your income, beyond standard annual benefit increases.
Enjoy flexible payout options, allowing you to adjust the size and timing of your benefits to cover substantial, infrequent expenses.
Receive additional coverage for unexpected expenses like out-of-hospital costs and rehabilitation, while being encouraged to recover and return to work quickly.
Benefit from enhanced regular increases in your coverage, particularly designed for young professionals with high earning potential.
Gain extra funds to cover unplanned expenses and out-of-hospital medical costs not included in your regular income replacement cover. This helps you avoid dipping into your savings.
Ease the financial burden of unexpected expenses and medical bills following a significant event involving immediate family members or the life assured.
Enjoy ultimate flexibility in receiving disability payouts. Choose between lump sum payouts for large expenses like settling a mortgage or debt, monthly income payouts for regular living expenses, or a combination of both to best suit your needs.
Find the right life insurance cover option for your specific needs. Our range of life insurance solutions offer choice and flexibility to suit your current life stage.
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