BSB 805 050

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BSB 805 050

Protect my income

Give you and your loved ones financial security and peace of mind

Why protect your income?

What if?

Many people insure their home, their personal possessions and their car, but fail to insure their most important asset; their ability to produce an income and safeguard future interests.

It’s probably not something you like to think about, but there’s some tough questions you need to ask yourself;

  • If you had an accident or became seriously ill and were unable to work, would you have enough savings or insurance to deal with the financial consequences?
  • If you suffered a major illness and needed extensive medical treatment, time off work or modifications to your home, could you afford these expenses?
  • If you died, would your family or other dependents cope financially?
income protection

It's your call








Should you take steps to protect your income?

If you lost your income, would you be able to:

  • cover your debts so they’re not passed onto your family?
  • cover medical expenses and short term drops in income?
  • provide an income stream if you can no longer work?

If you're not sure you'll be able to do all these things without an income, it may be time to consider protecting it.

Insurance that fits you

People’s Choice offers a wide range of insurance options that can provide you with the protection you need and our experienced Financial Advisers can help you work out what's best for you.

Income Protection

  • Provides an income when you're unable to work due to sickness, injury or accident
  • Arguably one of the most important types of insurance
  • Income protection can pay up to 75% of your salary for a pre-determined benefit period
  • Premiums are generally tax-deductible, depending on your individual circumstances

Life Insurance

  • Provides a lump sum payment if you die or become terminally ill
  • Paid to your beneficiaries or estate
  • Can be used to pay off debts and provide for your dependents
  • Premiums can be paid through Superannuation to minimise out of pocket expenses

Trauma Insurance

  • Provides a lump sum if you survive for a specified waiting period after some serious medical conditions (such as heart attack, cancer or stroke)
  • Can cover 40+ medical conditions depending on the product chosen
  • Can be used to cover medical and related expenses and top-up lost income
  • Helps relieve financial worries so you can focus on getting better

Total & Permanent Disability Insurance

  • Provides a lump sum if a sickness or injury leaves you totally and permanently disabled and unable to work
  • Not related to any specific illnesses or injury
  • Generally used to cover medical costs and lifestyle changes
  • Ensure financial peace-of-mind in the face of no future income

Your financial future awaits

Best laid plans

You can’t predict the future, but you can plan for it. An important part of safe-guarding your financial future, is planning - and it's never too early or too late to start.

Our Financial Planning team at People’s Choice Credit Union are all duly qualified, skilled and experienced to help you plan and achieve financial success for the long term. They can also help find the insurance products to protect your income now, and into the future, for peace of mind. Enquire online or call 1300 132 982.

Enquire online

financial plan


Please call us on 1300 132 982 from 9am - 5pm, Mon – Fri (ACDT) to arrange for a Financial Planner to contact you. Alternatively you can enquire online.

*Response timeframes based on same business day if before 3pm otherwise next business day.

The information on this page is not intended to constitute financial advice.  For full details of the Financial Planning services we offer please refer to our Financial Planning Financial Services Guide (FSG), available from us. You should consider the Product Disclosure Statement (PDS) for the product before deciding whether to acquire it. The PDS is available from us. Any financial product advice on this page has been prepared without taking account of your objectives, financial situation or needs, so before acting on it you should consider the appropriateness of it having regard to those matters. People’s Choice Credit Union is a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125 AFSL 244310. In Western Australia, our Financial Planning services are provided through Financial Solutions Australasia Pty Ltd ABN 36 008 939 599 AFSL 244308 (Financial Solutions), a wholly owned subsidiary of People’s Choice. Financial Solutions is not an authorised deposit-taking institution and its obligations do not constitute deposits in or liabilities of People’s Choice and are not guaranteed by People’s Choice.

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