Glacier Topcover Income Protection

Excellent income protection plans at attractive rates with the flexibility to add to your benefits.

The long-term financial impact of not being able to work because of serious illness or injury can be significant. Enjoy peace of mind with a regular income. The level of cover you need depends on your personal needs and circumstances. We recommend that you speak to a financial planner to help you select the most appropriate cover.


Receive a monthly salary if you temporarily or permanently lose your income or part thereof due to illness or injury. You can also pay for the overhead expenses of your business.

How it works​

You make monthly contributions until you are diagnosed with a disease or are injured, according to the relevant definition in the policy contract, or until you reach retirement age. Once you have been officially diagnosed, you can submit a claim for receiving your monthly payments.

How much you will pay

The cost of the insurance will depend on your age and your risk profile when you take out the policy.

Why it’s important to have the right insurance

Your income protection should enable you and your family to maintain your lifestyle, despite your loss of income and the extra expenses associated with your illness or injury. If you don't have sufficient cover, you won't have enough money to pay your expenses, which will lead to financial strain. You also shouldn't pay for cover you don't need. That is why it's important to speak to a financial planner before you make a decision about your insurance cover.

How much personal cover do you need?

Discussing the following questions with your financial planner can help determine the amount of personal cover you need.

  • Your lifestyle:
    • How many people are dependent on you for support and care?
    • Does anyone in your family have special needs?
    • Could your parents become dependent on you for support?
  • Your financial circumstances:
    • Does your spouse earn an income? Is this income enough to sustain your lifestyle if you cannot contribute?
    • How much outstanding debt do you have?
    • Will your children be able to get an education if you don’t earn an income?