What is own occupation income protection?
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In short: Cover paying out if you cannot perform your specific job — stronger than 'any occupation' or 'suited occupation' definitions that only pay if you cannot do any suitable work. Essential for specialists; costs more than weaker definitions.
Last reviewed:
Reviewed by Kaiser Khan
Surgeons, dentists and manual trades benefit most from own-occupation wording.
Check the policy summary — marketing terms vary between insurers.
See compare income protection guide.
Primary source: abi.org.uk/products-and-issues/topics-and-issues/protection-insurance
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