Built for self-employed professionals and business owners who want to understand income exposure, protection efficiency, and whether premium recovery options may be worth reviewing.
This quick check reviews:
How dependent your household and business are on your income
How long your current structure could hold under pressure
Whether your protection is just an expense — or potentially recoverable
Question 1 of 7
How dependent is your household or business on your personal income?
This identifies whether your income is just personal income — or the engine behind multiple responsibilities.
AMy income supports mostly myself
BMy income supports my household
CMy income supports both household and business obligations
DMy income supports household, business, and employees or contractors
Question 2 of 7
If your income stopped tomorrow, how long could your household and business continue without major changes?
ALess than 30 days
B30 to 90 days
C3 to 6 months
DMore than 6 months
EI'm not sure
Now let's look at the structure behind your protection...
Question 3 of 7
Do you currently have personal income protection or disability coverage outside of basic government programs?
For self-employed professionals, relying only on government support is usually not a strategy.
AYes — I have personal coverage
BYes — but I have not reviewed it recently
CNo
DI'm not sure what I have
Question 4 of 7
Do you know whether your protection premiums could ever be recovered if unused?
This is the premium-efficiency question most people never ask.
AYes — my plan has a return-of-premium feature
BI have coverage, but I do not know if premiums are recoverable
CNo — my premiums are not recoverable
DI'm not sure
Question 5 of 7
If you could not work for 90 days, what would be affected first?
AHousehold expenses
BBusiness cash flow or operations
CBoth household and business obligations
DI have enough reserves to cover both
EI'm not sure
Last two questions. These determine whether this is worth reviewing privately...
Question 6 of 7
When was the last time you reviewed your income protection structure?
AWithin the last 12 months
B1 to 3 years ago
CMore than 3 years ago
DI have never reviewed it properly
Question 7 of 7
Are you responsible for making protection decisions for your household or business?
This helps determine whether a private assessment is appropriate.
AYes — I am the primary decision maker
BYes — shared decision maker
CNo — someone else makes those decisions
Almost there
See Your Income Structure Result
Enter your email to unlock your result. You will see whether your current structure appears exposed, partially structured, or worth optimizing.
Your next step
Book Your Private Income Protection Assessment
We will review your income, obligations, current protection, and premium efficiency — then identify whether your structure needs to be strengthened, simplified, or optimized.