Your family depends upon your ability to generate income. The Global Income Protection Insurance is designed to protect your livelihood in the event that you suffer a long-term illness or injury that prevents you from working.

This insurance scheme is valid for self-employed and employed individuals.

• You choose the level of cover, appropriate to your current income.
  
  
• Cover can be provided in the currency of your choice.
  
  
• You will be covered for up to 75% of your salary, (subject to a maximum annual benefit of €144,000 less any other income you are entitled to receive - for example other sources from your employer, another insurance company, state allowances, etc.).
  
  
• For self-employed persons, benefits are based on the average of your earnings over the past 3 years.
  
  
• Benefit payments will be made as long as you are unable to perform your own occupation up to a maximum of 24 months. Thereafter, payments will continue only in the event that you are unable to return to work. Payments will cease if: (1) you are able to find a different occupation, (2) if you pass away or (3) you reach the age of 65.
  
  
• If you change your country of work or country of residence, the insurance will continue. However, premiums may be revised in the event of higher risks than previously. Benefits remain in force once you return to your home country (except in the excluded countries mentioned by the policy and unless they are American citizens returning to the USA).