Your income not only determines your lifestyle, but also your future. Protecting your ability to earn an income should be a non-negotiable for everyone. Your ability to earn an income is after all your biggest asset!

Becoming disabled, permanently or temporary can threaten your whole existence. If you cannot do your job due to an injury or sickness, you will not earn a salary and your family will suffer as a result.

According to the 2016 claim stats released by Liberty and Momentum, two of the biggest insurance companies in the country, surgery, cancer related conditions and motor vehicle accidents were the biggest causes of disability claims.

Income protection policies were designed to take care of you in circumstances like these mentioned. There are many options available in the market but when you look at these options make sure that you make use of a company that offers everything that could impact your income, for example retrenchment, critical illness and even maternity.

Income protection aims to ensure that you are in the same financial position after disability or impairment as you were while working. You can therefor cover yourself up to 100% of your after-tax insurable monthly income.

It is important to engage regularly with your financial adviser, make sure that you know what you are covered for, and make sure that your cover keeps up with your earnings. Don’t let you biggest asset be at risk.

Should you need any further information regarding this, or any other financial advice or information, please do not hesitate to contact Gert Botha on (012)991 4400 or email on or

By Gert Botha

This article is a general information sheet and should not be used or relied upon as professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your financial adviser for specific and detailed advice. Errors and omissions excepted (E&OE)

CMV Group of Companies

Tel : 012 991 4400
Fax : 012 991 3001
Physical: 17 Midas Avenue, Olympus, Pretoria, 0081

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