
Protecting your income
Secure your future earnings with a comprehensive income protection plan from Investec Life
With Investec’s income protection insurance, monthly payouts of up to 75% of your regular income can help protect your future earnings when you’re unable to work.
Did you know you’re more likely to be off work for an extended period of time than you are to die before retirement?
As a professional, your ability to earn an income is your most important asset. Your financial security depends on it. If you’re unable to work due to illness or injury, having an income protection plan in place will allow you to carry on meeting your monthly financial commitments.
Knowing that you can rely on regular income regardless of the state of your health is enormously reassuring.
With Investec Life’s Income Protection Cover, if you’re off work or unable to perform your occupational duties due to an illness or injury, your income protection insurance makes a monthly payment to help replace up to 75% of your net of tax income. This can be increased by up to an additional 25% with Investec Life’s Temporary Income TopUp Cover. And if you’re permanently unable to work, the benefit can be upgraded to cover up to 100% of your net of tax income.
Enhanced benefit: Temporary Income TopUp Cover*
*To qualify for Investec Life’s Temporary Income TopUp Cover, you will need to have (or already be in the process of applying for) Investec Life’s Income Protection Cover.

You can opt for Income Protection Cover as a standalone product from Investec Life, without Life Cover.
Insurance made for you
Tailored and priced for you as an Investec private client, this income protection plan replaces your lost income and allows you to pay for your family’s living expenses you’d ordinarily be paying for. The cover also means you can continue to invest for the future by allowing you to go on paying for your children’s education and saving for retirement.
Comprehensive cover
We base your payouts on objective medical criteria and consider your specific job-related duties. If you’re a self-employed professional, you may backdate your qualifying claims from the first day you’re off work.
If you are self-employed, Investec Life also offers Business Overheads Cover which protects you and your business against accumulating business expenses while you are unable to work.
Secure your future earnings with cover that works for you
I’m interested
I’m an existing Private Banking client
It’s simple and easy to apply. Log into Investec Online or the Investec App. Click on the ‘Protect’ tab. Click on 'Life insurance'.
I’m not an existing Private Banking client
Experience the difference when you have a partner that enables you to bank, invest and protect – all in One Place™.