As a well known and trusted provider in the field of financial services and products, Macquarie is an award winning company that offers a range of different services for consumers to benefit from in terms of financial protection, one of which is Macquarie income protection. A rising number of people have started to realise just how important income protection plans are and how beneficial they can be both in terms of peace of mind and financial protection against unforeseen circumstances. This is why more and more people are now considering or taking out this sort of cover and with Macquarie income protection you can enjoy affordable protection taken through a reputable provider.

When you take out Macquarie income protection you can choose from a range of options to ensure that you get a protective policy that is perfectly suited to your needs and will provide you with the peace of mind that you want without breaking the bank. These Macquarie income protection plans come with a variety of built in benefits and features and also offer a range of options features that you can bolt on based on your requirements and your budget. This makes the plans more flexible and suitable for a wider range of consumers.

For workers who have become reliant on the income that they earn from working, income protection cover such as the Macquarie income protection plans that are available can provide invaluable. If you find that you are unable to work and earn a living due to a sickness or injury the sudden loss of income can not only come as a real shock but can have a serious negative impact on your life. Without this income you will struggle to pay bills, mortgage or rent, pay for food, and deal with other basic costs. However, with the right income protection plan in place you can ensure that you are able to still bring home a regular income even if you are unable to earn a wage, which means one less thing to worry about whilst you are on the road to recovery.

What is included with the Macquarie income protection plan?

With the Macquarie income protection plan you will benefit from a number of built in features and benefits. This includes:

• Specific injury benefit
• Involuntary unemployment premium waiver
• Death benefit
• Total disability
• Partial disability
• Indexation increases
• Premium waiver

Of course, everyone’s needs differ when it comes to services such as protective insurance cover, with individual circumstances and budgets affecting individual needs. With this in mind, you will also find a number of options extras that can be bolted on to the plan at an extra cost should you require them. This enables you to build your own Macquarie income protection plan, which means that your cover will be perfectly suited to your needs and won’t exceed your budget as you can choose the add-ons that you need and you can afford. Some of the optional extras that you can choose from include:

• Extra benefits option such as trauma benefit, home care benefit accommodation benefit and cover extension
• Claims escalation option
• Disability income plus
• Booster option
• Superannuation cover
• Accident option

Of course, as is the case with any insurance plan that you are considering taking out, it is very important that you read all of the terms and conditions that come with Macquarie income protection plans before you make any commitment. Reading through the policy fully and understanding the terms and conditions means that you will know exactly what you are signing up for and what you are covered for with your Macquarie income protection plan. Insurance is well known for coming with a range of exclusions and restrictions and reading through the small print and terms of these plans will enable you to familiarise yourself with these restrictions so that you can make sure that the plan is suited to your needs.

The benefits of Macquarie income protection

Choosing Macquarie income protection will benefit you in many ways, such as:

• Offering you peace of mind for the future, as none of us know what fate has in store or when an accident/illness will strike
• A regular income in the event of being unable to work and earn a living due to unexpected injury or illness
• The financial ability to keep up with essential payments and purchases such as bills, rent or mortgage, food, and more – because there are always more bills.
• A choice of benefits, some of which are built into the plan and others that are optional and can be added on based on your needs and budget
• Affordable premiums to ensure that you can enjoy the protection that you want without blowing your budget
• Choosing from a range of coverage levels and periods to fit in with your needs