It is the best way to secure your most valuable asset from the impact of a disabling accident or sickness.
 

• Replaces a significant part of your income during disability- giving you financial control and independence

• Pays tax-free benefits (if you pay the policy premium yourself, on an after-tax basis)

• Is portable- you keep the coverage if you change jobs

• Provides support to help you recover the ability to earn your income and return to a full and independent lifestyle