What would happen if earnings stopped?
Income protection discussions are easier to follow when you start with the household bills rather than a product name. If Tamil is your preferred language, ask an adviser to explain how a policy could work alongside your existing resources. This English-language guide focuses on those questions.
Map your sick pay and savings first
Check your employment terms for sick pay, or describe your arrangements if you work for yourself. List essential spending and the savings available to meet it. Employer benefits may change when you change jobs, so use confirmed details rather than a general assumption.
Understand when benefits could start and stop
Income protection may pay a regular benefit if illness or injury prevents you working under the policy’s definition. A deferred period is the wait before eligible payments begin. The benefit amount, payment duration and exclusions vary.
Ask how the waiting period relates to sick pay and savings. A longer wait may leave a period you need to fund yourself; the premium alone does not show whether that arrangement fits.
Make the work definition clear
Describe your actual duties, working hours and any other paid roles. Ask the adviser to explain the policy’s definition of incapacity in Tamil and show where it appears in the wording. Do not assume every inability to earn, including redundancy, is covered.
Bring the evidence to a protection conversation
Prepare earnings records, employer benefit details and existing policy documents. Ask about medical questions, insurer access and how the adviser is paid. The calculator below can help outline a potential gap; a recommendation and underwriting assessment are separate steps.
Use the tools, then request tailored help if you need it
The strongest path through Hub is usually simple: understand the topic, test the numbers, then request professional guidance if your case needs a more specific view.