We all insure our cars and homes however we often forget to protect what pays for it all, our earnings.

Income protection is designed to pay you a regular tax free monthly benefit as a replacement income if you become incapacitated and unable to work due to illness or injury.

Given the level of government support available and with fewer employers offering long term sick pay above and beyond Statutory Sick Pay, a personal income protection policy is more important than ever.

We can provide you with detailed advice on the benefits of income protection insurance along with ensuring your cover is adequate for your specific needs. We are able to search the market on your behalf looking for the most competitive solution.

How does it work?

You will receive a monthly benefit from your income protection policy until you are able to return to work or your policy ends, usually around your retirement age. The maximum benefit you receive is based on a percentage of your annual earnings and is available to both employed and self-employed people.

With most policies there is no limit on the number of claims you can make during the term of the policy so long as you continue to pay your monthly premiums.

Your policy will only end when it reaches the termination date or you cancel it or stop paying your premiums. Otherwise your protection will last until you reach the end of your cover.

You may also be provided with cover through your employer and it is important that you take this into account when looking at additional income protection as this will influence the additional level of protection you need.

As with all insurance policies, conditions and exclusions will apply.

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