If you’ve ever paused and thought, “What will happen to my family if I’m suddenly not around?” you’re not alone. Life doesn’t always give you a warning. One moment everything feels fine and the next, an illness or injury could stop you from earning. But your bills won’t stop. Your family’s needs won’t pause either. That’s where Liberty’s income protection insurance steps in. It’s not just about payouts it’s about keeping your home steady even when you can’t work. With regular income benefits and wide coverage, you won’t have to worry about what comes next. You can just focus on getting back on your feet.
What Is Income Protection Insurance?
An income protection insurance plan replaces your income when you can’t work due to illness, injury or disability. Instead of draining savings or falling into debt, you get monthly payouts that help cover rent, loans, school fees, groceries and medical bills.
With Liberty’s global coverage and flexible options, your income replacement plan stays with you wherever life takes you. You won’t lose support just because you cross a border or change cities.
Why Choose Liberty’s Income Protection Plan?
We don’t just offer another financial protection policy. We offer a real solution backed by experience and care. Liberty’s income protection insurance helps families stay on track, even when the main earner can’t work.
Whether you’re recovering from a surgery or dealing with a long term illness, our plan includes benefits that protect your lifestyle. From critical illness insurance to steady family income benefits, everything is built around your real needs not just the fine print.
Key Benefits of Liberty’s Income Protection Insurance
Here’s how our income protection insurance helps you stay prepared when life takes an unexpected turn;
1. Life Cover
If you pass away, your family receives a lump sum. This helps them cover future costs and hold onto the life you built.
2. Terminal Illness Benefit
If diagnosed with a terminal condition, your plan gives an early payout. That means you can spend time with family and settle what matters.
3. Critical Illness Benefit
A sudden illness like a stroke or cancer could stop your income. This benefit offers quick help so you can focus on healing.
4. Permanent and Partial Disability Benefit
Whether your disability is full or partial, temporary or permanent, your plan adjusts to ensure income keeps coming in.
5. Accidental Death Benefit
An accident can change everything. With this benefit, your loved ones stay protected if something sudden happens.
6. Aeroplane Cover
If you travel often, your coverage travels with you. This plan includes protection for air travel so you’re covered at every altitude.
7. Hospitalisation Benefit
Hospital stays bring stress and bills. This benefit helps pay for treatment so recovery doesn’t come with financial strain.
8. Dismemberment Benefit
If an accident causes the loss of a limb or function, you get a payout based on the extent supporting medical costs and lifestyle changes.
9. Waiver of Premium Benefit
If you become too sick or injured to work, Liberty continues your policy without asking you to pay. You stay protected, no lapse.
10. Family Income Benefit
Your family keeps receiving a regular monthly payout even when you’re not earning. It keeps daily life running smoothly housing, school, meals, everything.
How Does Income Protection Work?
Once you get Liberty’s income protection insurance, it starts working when life hits pause. If you can’t work because of a covered illness or injury, you can file a claim. After meeting the waiting period, Liberty begins regular payouts based on your income replacement plan. This keeps your life moving while you recover.
Who Should Consider Income Protection Insurance?
If your family depends on your income, then this policy is for you. Think of it as a financial protection policy for what really matters that is your life’s stability. Whether you work full time, run a business or work abroad, you can’t afford to ignore the risk.
It’s ideal for:
- Sole breadwinners or single income homes
- Couples raising children or supporting parents
- Self employed professionals and freelancers
- International workers or expats
- Anyone with home loans, education fees or EMIs
What Makes Liberty Insurance Different?
- Affordable and Flexible – You can build a plan that fits your budget and lifestyle
- Global Coverage with Local Support – Wherever you go, Liberty follows
- Trusted Guidance – You’re never alone during claims
- Faster Claims, Less Waiting – Your time matters when health is on the line
Clear Terms, No Surprises – You’ll know exactly what you’re signing up for
Don’t Leave Your Family’s Future to Chance
You work hard to give your family comfort and security. But one illness or accident can shake it all. That’s why Liberty’s income protection insurance isn’t just a product it’s a promise that your loved ones will stay protected no matter what.
It covers more than just missed paychecks. It supports your family with monthly payouts, medical benefits and peace of mind. So you won’t have to question how they’ll manage without you. Choose to protect what matters most. Choose Liberty.
Frequently Asked Questions (FAQs)
It’s a plan that pays you monthly if you can’t work due to injury, illness or disability. It helps you stay financially stable.
Salaried workers, business owners, freelancers and expats all can apply. The coverage is flexible and built for different lifestyles.
Yes. Conditions like cancer, stroke and heart attacks are covered through the critical illness insurance benefit.
You can file a claim once you meet the plan’s waiting period and provide the required documents.
Liberty’s waiver of premium benefit keeps your coverage active even if you stop working. No payments required during that time.