FINANCIAL GUIDE · INCOME PROTECTION
Protect Your Income. Protect What Depends on It.
You are not protecting your income because you expect something to happen. You protect it because too many things depend on it.
01 · INCOME IS MORE THAN A PAYCHEQUE
What is income protection?
Your income pays for more than your lifestyle. It keeps your mortgage moving, raises your children, funds your investments, supports retirement plans and gives your family choices.
02 · YOUR FUTURE INCOME IS AN ASSET
We insure assets. But what creates them?
Your ability to earn may be one of the largest financial assets supporting your life.
Think about it: when you buy a car, you insure it. When you buy a home, you insure it. But have you ever thought about protecting the salary that pays for them?
03 · WHAT CAN INTERRUPT IT?
The risk is not only dying too early.
Death can stop income permanently. Critical illness, disability or a long recovery can interrupt earning ability while expenses continue — and sometimes increase.
04 · CALCULATE YOUR NEED
How much of your financial life depends on your income?
This calculator gives you a planning estimate. It is not an insurance recommendation. Start with what your income still needs to support, then deduct resources already available to you.
Estimated financial need = household support + outstanding debts + education/dependant funding + recovery buffer. Protection gap deducts the existing protection and liquid resources you entered. Future income at risk is shown separately for perspective and is not added to the needs calculation.
Not every ringgit of risk needs to be transferred.
Some risks you may choose to carry yourself. So, how much of this protection gap would you choose to transfer?
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What would it cost to protect this amount?
The cost depends on factors such as your age, health, coverage period and type of protection. A personalised quotation is the next step.
Find Out My Protection Cost →05 · RETAIN OR TRANSFER
Protect what everything else depends on.
You do not necessarily need to insure every ringgit of risk. Good protection planning helps you decide what you can comfortably retain and what may be better transferred — so your financial life does not depend on one income continuing perfectly forever.