Protect
Protecting your income across borders
Protect the income that keeps your world moving.
A FISICS Protect My Income Plan has the same goal but must make sure protection still works when international characteristics exist.
What does this service involve?
The person may work in another country, move country, have a foreign employer, earn in another currency, have tax or social-security obligations in another jurisdiction or support family members abroad. A policy that looks suitable in one country today may not operate in the same way after those changes.
Territorial Limits
Check territorial limits, residence requirements and whether cover continues during overseas work or relocation.
Consider
Consider how premiums and benefits are taxed and reported in relevant countries.
Review
Review interaction with foreign employer benefits, social-security systems and state benefits.
Reassess
Reassess the plan before a move, overseas assignment or change of employer so there is no unintended protection gap.
Which best describes you today?
You may be considering this because your circumstances have changed, you're planning ahead, or you simply want greater clarity.
Your income stops when you stop working
As a business owner or self-employed professional, you may have little or no sick pay to fall back on if you cannot work.
Your employer cover isn't clear
You may have benefits through work, but not know exactly what you’re covered for, how long it lasts or what happens if you leave.
A recent health scare changed your perspective
An unexpected health event can make you realise how quickly your ability to earn can change.
Your financial commitments don't stop
Your mortgage, school fees, household bills and family commitments still need to be paid, even if your income stops.
Being unable to work feels financially unsettling
Even a few months away from work could put pressure on your savings, lifestyle and plans for the future.
What could happen without a plan?
Your savings may have to carry the burden
If you cannot work for several months, savings can disappear quickly when they have to replace your regular income.
Your family's plans can come under pressure
A prolonged loss of income can affect the lifestyle, opportunities and plans you’ve worked hard to create.
Leaving it can mean relying on luck
The strongest position is to have protection in place while you’re healthy and earning, rather than waiting until you need it.
Which best describes you today?
You may be considering this because your circumstances have changed, you’re planning ahead, or you simply want greater clarity.
What could happen without a plan?
Your income stops when you stop working
As a business owner or self-employed professional, you may have little or no sick pay to fall back on if you cannot work.
Your savings may have to carry the burden
If you cannot work for several months, savings can disappear quickly when they have to replace your regular income.
Your employer cover isn't clear
You may have benefits through work, but not know exactly what you’re covered for, how long it lasts or what happens if you leave.
Your family's plans can come under pressure
A prolonged loss of income can affect the lifestyle, opportunities and plans you’ve worked hard to create.
A recent health scare changed your perspective
An unexpected health event can make you realise how quickly your ability to earn can change.
Leaving it can mean relying on luck
The strongest position is to have protection in place while you’re healthy and earning, rather than waiting until you need it.
Your financial commitments don't stop
Your mortgage, school fees, household bills and family commitments still need to be paid, even if your income stops.
Being unable to work feels financially unsettling
Even a few months away from work could put pressure on your savings, lifestyle and plans for the future.
