Some of our clients have income protection policies from their employers. But most of them keep their own income protection policies.

The reason is no one knows how long he/she can work with the employer. If we only rely on employer's insurance policy, when we leave this employer in the future, that policy maybe stop and we have to take insurance policy by ourself. We will face two issues at that time.

1. Premium will be higher than today. Level premium is based on the age when we take the policy and won't increase with age until age 65. Your level premium is based on age 48.
 

2. If our health is not good when we apply for the policy in the future, maybe insurance company won't offer policy.
 

So, it is highly recommended to keep your own policy. This is good for you in the future.