Our Income First approach protects your clients’ monthly income in the event of illness, injury or death and provides for additional expenses.

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Temporary Injury & 
Illness Cover

Temporary Injury & Illness

Income Benefits

Covers 100% of your monthly income for up to 2 years and provides for extra monthly costs for certain critical illnesses.

Lump Sum Benefits

Provides for once-off or additional expenses due to certain critical illnesses.


Long-term Injury & 
Illness Cover

Long-term Injury & Illness

Income Benefits

Covers 100% of your monthly income up to your selected retirement age or even for the rest of your life.

Lump Sum Benefits

Provides for additional expenses associated with adjusting to and living with a permanent disability.



Life Cover

Income Benefits

Provides your beneficiaries with the certainty of a monthly income if you pass away.

Lump Sum Benefits

Pays for once-off expenses such as settling debts, estate duty or executor’s fees.

10 Reasons to work with FMI

#1 100% income protection

Protect 100% of your clients’ income against the risks of an injury, illness or death and select from a choice of lump sum benefits to allow for any additional expenses.

#2 Committed to paying claims

Based on 25 years claims’ experience, our criteria have evolved in order to provide your clients with peace of mind that their claims will be paid.

#3 Unique sales opportunities

Benefits such as Critical Illness Income and Life Income allow you to structure solutions to a unique set of sales opportunities for your clients.

#4 Flexible service model

Select the service model that suits you best – a face to face or telephonic relationship with an FMI business developer.

#5 Less paperwork and risk

Our tele-underwriting removes paperwork and non-disclosure risk for you.

#6 Simple online applications

You can use our digital application process online – no paperwork required.

#7 Professional personal service

We believe in personal service – you have access to chat to a professional, friendly underwriter or claims assessor.

#8 Dedicated support

One point of contact through a dedicated Business Support Consultant - personalised support for all your servicing requirements.

#9 Track your commission

Commission is paid quickly and everything is trackable on your adviser dashboard or mobile app.

#10 Tailored client solution

Our product is modular and flexible allowing you to tailor a solution to each of your clients’ with our unique benefits.

Our Income First product philosophy

No matter your clients’ occupation,
everyone who earns an income
should be able to protect it. 

Protect your clients’ income
until the day they retire or
even for the rest of their lives.

Protect 100% of your clients'
monthly income against the
risk of injury, illness or death.

Income benefits should address
the holistic needs of a client going
through a critical illness.

Put income benefits in place first,
and only use lump sum benefits
for additional expenses.

Your clients should be able
to change their cover even if
they’ve claimed.

Real Stories

Damian Business Owner, Plumber, 28
Yvonne Self-employed, Hair Stylist, 44
Allan Business Owner, Farmer, 60
Monde Actuarial Scientist, 26

Want to connect with your clients in a meaningful way?
Share these powerful stories from our #21Lives Campaign.

Sign up and start selling with FMI.