Lifestyle Protector's income protection is known as Income Protector. It consists of layers of benefits that are designed to work together so that combinations of benefits from each layer can be selected (although itemised selection is allowed for some of the benefits)

Core layer

This layer provides temporary income protection of up to 24 months where you are unable to perform your occupation due to a temporary or permanent disability or you suffer a permanent impairment.

Benefits included in this layer:

• Absolute Income Protector (with free Child Illness Protector)

• Overhead Expenses Protector

Extended layer

This layer provides permanent income protection by extending your payments until your expected retirement if you are unable to perform your work due to a temporary or permanent disability or you suffer a permanent impairment. This layer also allows you to protect your retirement income against being eroded by expenses associated with a permanent impairment after retirement.

Benefits included in this layer:

• Extended Absolute Income Protector (with free Claim Booster)

Comprehensive layer

This layer provides wide income protection by including coverage against additional risks which may threaten you or your family's income, for example, being retrenched, having to go on maternity leave, dying within a year of suffering a disability or even you or your dependants being diagnosed with a critical illness.

Benefits included in this layer:

• Retrenchment Protector

• Living Lifestyle Protector

• Living Lifestyle Dependant Protector

• Guaranteed Dependant Protector

• Maternity Pause Option

It is possible to take certain income protection benefits as a single entity on Lifestyle Protector. To get the full benefit of Lifestyle Protector, consider taking several benefits to ensure full risk protection for you and your family.

Lifestyle Protector requires standard information in order to assess your risk levels. This information includes, but is not limited to, your age, whether you smoke, your income and your highest level of education. Additional medical tests may also be required, and it is important to give all the necessary information when you take out your policy so that you are fully and adequately covered so as to avoid disappointment at the claim stage

In addition, if the Income Protector package is selected, additional information related to your employment is required. This includes, but is not limited to, your pre-tax income, your post-tax income and whether you are self-employed.

The premiums paid for each benefit on Lifestyle Protector are based on the level of cover selected and your level of risk. Premiums are totalled across all benefits selected. In addition, each policy has a nominal policy fee that is charged.