Income protection comparison

25.03.09

Income protection comparison is a must. Shop around and compare insurers (including your super fund) cover and prices; they can vary greatly. Premiums are set depending on:

* Age (premiums may increase or cover decrease as you get older);

* Sex;

* Health and pre-existing conditions;

* Smoker or non-smoker;

* Occupation (for example, a manual laborer pays different premiums to an office worker);

* The time you choose to wait before receiving payment.

Prices vary depending on age and other factors, thus income protection comparison is necessarry.

When taking out any insurance policy, you should study thoroughly the terms and conditions, and also the way the key terms of the policy are specified.

Check the waiting period (how long before you get payment, often 30 or 90 days) and the benefit period (for how long payments will be made — typically two years or sometimes until your normally expected retirement age).

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Lonely Planet Chile & Easter Island by Charlotte Beech, Jolyon Attwooll, Thomas Kohnstamm, and Andrew Dean Nystrom (Paperback - May 1, 2006)
Buy new: $16.49