COMPARISON WORKSHEET
Compare income protection.
Put two written offers side by side. Compare the cover and conditions before deciding what the price means.
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| What to check | ||
|---|---|---|
| Incapacity definitionWhich occupation or work test is used, and can that definition change during a claim? | ||
| Deferred periodHow long must I wait before payments start, and how will I cover that interval? | ||
| Benefit amountWhich earnings count, what evidence is required and how is other income treated? | ||
| Duration and inflationWhen do payments stop, and can the insured amount keep pace with costs? |
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.