Now the idea of an Income Protection Insurance is to help take care of day to day bills should something happen to you Now we don’t think anything is going to happen, but if it did, you’ve got a lot to think about. You’ve got your day-to-day bills, like your food or your power Your rent or mortgage Your family – and that’s on top of a lost income. And at the end of the day – if something like that was to happen to you, You’d receive money from us to take the financial stress away So you can focus on yourself and what’s important to you. So it’s a really simple service. How it works, is if you have an accident, an illness, or an injury and you couldn’t do your job for 30 days or more. For example you got sick, break your leg or something like that – pretty cool thing is, we could step in and provide up to 75% of your income every month you’re off work. And that’s for up to two years. So the great thing with a Cigna Income Protection policy is that it’s very flexible. So you can actually tailor it to your specific situation. And you actually have a few options when deciding what you want. Now the first thing you can customise is the wait period. A wait period is actually how long you have to be off work, before you can receive the payments from us. You receive the money after either 30, 60 or 90 days. Just to give you an example, if you have a longer wait period, your premiums will be a little bit lower But it just means you’ll have to be off work longer, in order to receive the money from us. Which means you’ll probably need to cover that shortfall yourself. Now the second thing you get to customise is actually how long we pay you for. So we’ll pay you for either up to 6, 12 or 24 months. Now the shorter the payment term you choose, the lower your premiums will be But you just need to remember, the longer payment period will give you greater peace of mind. So, if Cigna Income Protection sounds good to you, you can apply online now. Or, just give us a call.