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What if? The scenarios graduate professionals do not think about – but should By PPS Life Solutions

As graduate professionals, we spend years building our careers, refining our expertise and planning for the future. But life is unpredictable, and some “What if’s” can derail even the best-laid plans. Have you considered how you would manage if your ability to work was suddenly taken away – whether for weeks, months or even years? Here is why planning for these scenarios is crucial and how the right protection can ensure life remains uninterrupted. 

What if you are off sick for a week or longer? 

A sudden illness or injury can have a significant impact on your financial well-being, especially if your recovery takes a week or longer. Being off sick for this period can disrupt your financial stability, as unexpected costs often arise. Unlike many insurers, PPS does not require income loss to process a claim. If you are medically unfit to work, you are covered, whether or not you are receiving a salary or benefits. This support can continue for as long as necessary, ensuring your financial security when you need it most. 

What if your condition does not meet standard criteria? 

Many insurance providers impose complex waiting periods with exclusions on certain illnesses. For example, some may not cover respiratory or gastrointestinal conditions immediately. At PPS, all conditions qualify after a seven-day period*. This is not a waiting period in the traditional sense, it just means that if you are off sick for at least a week, you qualify, no questions asked. 

How could claiming impact your financial future? 

Many individuals worry that making an insurance claim could impact their long-term financial benefits. For PPS members, there may be concerns that a claim could affect their eligibility to qualify for Profit-Share* allocations. PPS members continue to qualify for Profit-Share allocations even if they claim. Unlike other insurers that penalise policyholders with reduced bonuses, PPS ensures you continue to build wealth even while recovering from illness. 

What if you work abroad or engage in risky hobbies? 

Frequent travel, adventurous pursuits or working in high-risk environments can often mean higher premiums or exclusions with traditional insurers. PPS does not impose restrictions or additional costs for international travel or hazardous activities. You do not need to notify anyone or pay extra; your cover follows you wherever you go. 

As graduate professionals, we pride ourselves on being prepared, whether it is for career growth, retirement or unforeseen challenges. The reality is that life’s biggest disruptions are often the ones we least expect. Ensuring you have the right protection means you can focus on recovery, family and future goals without financial uncertainty. 

Your career is your greatest asset. Protect it, and you protect your future. 
 
* Members holding qualifying life-risk products share in the profit and the loss of PPS through the notional PPS Profit-Share Account™ and past performance is not necessarily indicative of future performance.