Checking the Income Insurance Small Print
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Checking the Small Print
Once you have found a suitable income insurance policy remember to check the small print before signing on the dotted line.
Different providers can have major differences in their terms and conditions, so it is important to be aware of the small print.
Watch out for clauses
Keep a close eye on certain clauses such as making sure the policy’s maximum benefit limits are not ‘lower than average’ and whether the insurer will pay out if you are unable to do your “own occupation” or “any occupation.”
Daily routines
The better policies will pay out if you are unable to do your “own” occupation, but some will only pay if you are unable to perform particular daily routines, and others only pay if you are unable to do “any occupation” at all.
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