Temporary Income Protection

  • Pays your income when unable to work
  • Up to two years of cover
  • Multiple claims allowed

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Business Overhead Protection

  • Pays business expenses when owner is unable to work
  • Up to two years cover
  • Helps ensure business survival

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Permanent Income Protection

  • Pays business expenses when owner is unable to work
  • Protects your lifestyle in case of disability

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Capital Disability

  • Lump sum payment for permanent inability to work
  • Follows on from Temporary Income Protection benefit
  • Settles large debts

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Protect your Employees and your Business

  • Temporary Income Protector
  • Life Cover
  • Dread Disease
  • Capital Disability
  • Funeral
  • Accidental Death
  • Accidental Permanent Disability

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If something happens to you, will you survive financially?

We believe in holistic income protection which includes monthly and lump sum payout to cover you for all eventualities. Read our guide to income protection here to ensure that you are covered properly, so that if you are ever unable to earn an income you wont struggle to make ends meet.

Why we do what we do

Shortly before 1985 a financial adviser faced illness at home. The experience nearly bankrupted him as he was unable to work and earn his salary. So together with a few other brokers they formed a company whose specific focus would be to look after the income of the business owner, the entrepreneur and the commission earner. That is still the focus of FMI today.