Protect the people who matter most
Family protection can help replace lost income and preserve financial stability if death, serious illness or a long-term health condition changes everything.
Protect your family’s future today. Speak with an Indigo Protection adviser to understand the cover available and build a plan around your income, commitments and priorities.
When a medical crisis becomes a financial crisis
Your income helps pay the mortgage or rent, household bills, childcare, education costs and everyday living expenses. If you die, become seriously ill or cannot work for an extended period, those commitments may continue even when your income does not. Family protection is designed to provide money when it is needed most—helping the people you care about maintain stability and make important decisions without immediate financial pressure.
Three ways to protect your family
Life insurance
Life insurance pays a lump sum or income if the person insured dies during the policy term. That payment can help replace lost income, clear or reduce debts, meet household costs and provide longer-term financial support for a partner or children. The right amount and term will depend on your income, liabilities, dependants and existing benefits.
Serious illness cover
Serious illness cover pays a tax-free lump sum if you are diagnosed with a specified serious illness covered by your policy. The payment can help with treatment-related costs, changes to your home, debt repayments or day-to-day expenses while you focus on recovery
Income protection
Income protection can pay a regular replacement income if illness or injury leaves you unable to work for an extended period. Payments normally begin after an agreed deferred period and may continue until you return to work. The level of cover available is linked to your earnings and policy terms.
Protection at a Glance
Why Indigo Protection?
- Advice built around your family: We consider your income, dependants, debts, employer benefits, existing cover and future plans.
- Clear explanations: We make the choices, costs, exclusions and trade-offs easier to understand.
- Access to suitable solutions: We assess available options and recommend cover aligned with your needs, circumstances and budget.
- Support from application to claim: We guide you through the application process and remain available when your circumstances change.
- Regular reviews: Protection should evolve as your income, mortgage, family and responsibilities change.
A straightforward protection review
- Understand your position. We discuss who relies on your income, what you need to protect and what cover you already have.
- Identify the gap. We estimate the financial impact of death, serious illness or long-term absence from work.
- Compare the options. We explain suitable types and levels of cover, policy terms and costs.
- Put the plan in place. We support your application and help you keep the cover under review.
Frequently asked questions
How much cover do I need?
There is no single figure that suits everyone. A review should consider your income, mortgage and other debts, household expenditure, number and age of dependants, existing savings, employer benefits and the period for which support may be needed.
Do I need all three types of cover?
Not necessarily. Each product addresses a different risk, so the right mix depends on your circumstances, priorities, existing cover and budget. An adviser can help identify the most important gaps and explain how the policies can work together.
When should I review my protection?
Review your cover when you buy a home, get married, have a child, change jobs, take on additional borrowing or experience a significant change in income. Applying earlier may also provide more options, as eligibility and pricing can be affected by age, health, occupation and lifestyle.
Do not leave your family’s financial security to chance
Book your protection review today. A conversation with an Indigo Protection adviser can help you understand the risks, prioritise the right cover and take a practical step towards protecting your family’s financial future.
Important information: Cover is subject to eligibility, underwriting, policy terms, conditions, exclusions and definitions. Benefits and tax treatment may depend on individual circumstances and may change.