Life insurance
A salary that shows up even when you can't.
Replace your monthly income if illness or injury keeps you from working.
- Monthly income benefit
- Temporary & permanent
- Illness & injury
Income protection replaces a portion of your monthly salary if illness or injury keeps you from working. While life cover protects your family if you die, income protection protects you while you're alive but unable to earn — arguably the cover most working South Africans overlook.
Ample arranges temporary and permanent income protection across South Africa's leading insurers, so the bond, the car and the groceries are still paid when your paycheque stops.
What Income Protection covers
Monthly income benefit
A regular monthly payment to replace lost income while you can't work.
Temporary & permanent
Cover for short-term recovery and for long-term or permanent inability to work.
Illness & injury
Protection whether you're out of work due to sickness or an accident.
Waiting-period options
Choose when benefits start to balance cover and premium.
Up to 75% of income
Cover a large share of your salary, within insurer limits.
Inflation protection
Optional benefit increases so your cover keeps pace with rising costs.
Who income protection is for
- Salaried employees and professionals
- Self-employed people with no sick-leave safety net
- Sole breadwinners
- Anyone with a bond and monthly commitments
Income Protection FAQs
How is income protection different from disability cover?
Income protection pays a monthly income while you recover, including from temporary conditions. Lump-sum disability cover pays once for permanent disability. Many people hold both for full protection.
How much of my salary can I cover?
Insurers typically allow you to cover up to around 75% of your income. We help you set a benefit that keeps your household running without over-insuring.
What's a waiting period?
It's how long you wait after becoming unable to work before benefits start. A longer wait lowers your premium — we help you pick one that matches your savings buffer.
Does it cover both illness and injury?
Yes. Comprehensive income protection responds to both — which matters, since illness keeps far more people off work than accidents do.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
Related life cover
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Tell us a little about what you need and your dedicated broker will be in touch — usually within one business day. No bots, no pressure.
- Call us0861 112 466
- Email usinfo@ampleinsurance.co.za
- Office hoursMon–Fri, 08:00–16:30