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HBF Ezicover Income Replacement

Secure your income

If you are employed, it is easy to take for granted the fact that you usually have enough money to pay for the mortgage, the household bills and day-to-day living expenses.  But imagine if you suffered an injury or illness that prevented you from working for an extended period. How would this affect your lifestyle and your ability to meet financial commitments?

If you are unable to work due to sickness or injury, Income Replacement insurance provides you with a monthly payment of up to 75% of your pre-tax income. It allows you to stay in control, meet your financial obligations and maintain your lifestyle, even while you are temporarily unable to work. 

Why Income Replacement?

Difficult as it is to consider, statistics tell us that the prospect of losing your income temporarily is a very real possibility. Some people think that they don’t need to protect their income - most of us insure our assets, such as our car and home, however many fail to protect the income that provides for their lifestyle.   

Many people also believe that they will be covered through their sick leave or workers compensation however sick leave varies by employer and usually only covers short-term absences from work. Workers compensation only covers employees for work related accidents and sickness. For males only about 30% of long term disabilities are accident or injury related and most of these are not work related. *

What are some of the benefits?

  1. Offers the first month’s premium free on acceptance
  2. Competitive, affordable premiums that are generally tax deductible
  3. A simple, easy to apply for Income Replacement option
  4. Provides a monthly payment of up to 75% of your pre-tax income 
  5. Does not normally require an interview or medical examination

Quick Quote

For a simple and fast method of finding out what the monthly premium would be for you, based on your chosen level of cover.

Get a quote

Apply Now

Complete the online application.

Apply now

More Information

The Ezicover Income Replacement Product Disclosure Statement (PDS) provides important information which you should read before making a decision to purchase the product. It will help you to determine if the product will meet your needs and compare the product with other products you may be considering.  

If you would like more information, please call 1800 024 560.

 

* Source TNS Research – A Nation Exposed, IFSA Research 2005

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