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As one of the most important ways you can protect your family and future income, income protection insurance goes to work when you can’t. 

But from 1 October, a raft of changes means the terms and benefits offered to you won’t be as generous. Taking out income protection insurance before the deadline will help ensure you’re able to take advantage of more generous benefit calculations and contract terms.

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From 1 October, major changes are coming to income protection insurance that may narrow the terms and benefits available to you.

Protect your income and your future before major changes to income protection policies come into effect

Findex Risk Insurance specialist, Paul Milbourne, unpacks the upcoming changes

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Change 1: Pre-disability income

CHANGES EXPLAINED

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Change 2: Replacement ratios

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Change 3: Definition of a claim

The lookback period to calculate your income protection benefit set to drop from years to months

The amount of income you can protect will be capped

Claim definitions will be limited to one definition or one way to asses a claim

What's changing?

Findex Risk Insurance specialist, Paul Milbourne, explains upcoming changes.

INCOME PROTECTION CHANGES 

THERE'S NEVER BEEN A BETTER TIME TO PROTECT YOUR INCOME

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