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We get it. That salary protection deduction keeps showing up on your bank statement, and you start thinking, “Do I really need this? Maybe I could use that money for something fun… like a holiday, a fancy coffee habit, or finally upgrading my dodgy WiFi?”

Before you hit that cancel button, let’s have a little chat—because every single day, I have people messaging me saying they wish they could get their cover back… but they can’t.

Scenario 1: The ‘Nothing Will Ever Happen to Me’ Mindset 💪

You’re healthy, strong, and have a bulletproof immune system. You’ve never had more than a sniffle in your life, and you’re convinced that bad luck is for other people.

That’s great! But here’s the thing: salary protection isn’t just for today—you’re paying for your future self. And Future You? Well, they might not be as lucky as Present You. Accidents happen, stress catches up, unexpected illnesses strike… and when they do, salary protection is the financial safety net that stops everything from going downhill fast.

Because let’s be real—your landlord, bank, and utility providers don’t accept ‘positive vibes’ as payment.

Scenario 2: The ‘I’ll Just Rejoin Later’ Delusion ⏳

“I’ll cancel now and sign back up if I ever need it.”

Oh, sweet, optimistic soul. That’s not how it works.

If you cancel, you can’t just waltz back in whenever you feel like it. You’ll need to go through medical underwriting again, which means if anything happens between now and then—even something minor—you might face higher premiums, exclusions, or flat-out rejection.

And this is the part I really need to stress—every day, I have people coming to me wishing they could get their salary protection back, but they no longer qualify. They’re shocked, they’re panicked, and they regret cancelling. But by then? It’s too late.

Salary protection is like a golden ticket. Once you have it, you don’t want to lose it.

Scenario 3: The ‘I’ll Rely on My Job’s Sick Pay’ Plan

Sick pay is great—until it runs out.

Depending on your employer and contract, you might get a few weeks, a few months, or even up to a year of sick pay. But what happens after that? If you’re still unwell or recovering, you could suddenly find yourself trying to cover all your bills on zero income.

And let’s be real—your bills aren’t going to take a sick leave holiday just because you have to.

So… What’s the Alternative? 🤔

Instead of cancelling outright, consider:
✅ Adjusting your cover to make it more affordable.
✅ Reviewing your policy to ensure it meets your needs.
✅ Thinking long-term—because salary protection is there to keep life on track if things go sideways.

At the end of the day, salary protection isn’t just an expense—it’s peace of mind. It’s knowing that if life throws a curveball, you won’t have to panic about money on top of everything else.

And trust me—you don’t want to be one of the people wishing they could get it back.

Still thinking about it? Let’s talk before you hit cancel!