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Quite right. I asked that question of my insurance broker and got told it doesn't insure you against a lack of employment due to prolonged retrenchment for example. It has to be linked to an incident in some way. I believe these to be physical in nature, but not sure. But, for example, it...

Hi Shonnie, I have income protection insurance and just renewed it. It costs me about $1200 per year, but I see that as cheap for covering my salaried income to about 65% in the event of prolonged unemployment due to an unforseen event. I also have D&PD insurance but they're lump sum and I...