Income Protection
If you were unable to work due to sickness or injury,
how would you pay your monthly bills?
What is Income Protection?
Income protection is designed to give you peace of mind & step in to pay you a tax free income when you're unable to work, some common key features include:
• Typically pays you 50-70% of your monthly income
• Claimable when unable to work due to illness or injury
• Some policies allow top up income for those gradually returning to work using reduced hours
What does income protection insurance cover?
Income insurance covers you if you:
✔Get sick or injured and can’t work
✔Become disabled and can’t work
✔Need to take time out of work due to mental health issues.
Like most insurers, our income insurance won’t pay out if you’re:
✘Dismissed from your job
✘Made redundant
✘Still getting paid sick pay.
How much is income protection insurance?
Your monthly premium will depend on things like:
Your age
Your medical history
Your family’s medical history
Your job
How much alcohol you drink
When you want your policy to start
If you’re a smoker
What type of cover you choose.
Cover available from as little as £5 a month depending on circumstances and amount of cover required
I can rely on the government to support me if I'm unable to work?
You can get £99.35 per week Statutory Sick Pay (SSP) if you’re too ill to work. It’s paid by your employer for up to 28 weeks. For more information on this and more check gov.uk
In reality state benefits may not always be available or provide enough to cover your essential monthly outgoings. Leaving you with a significant shortfall trying to balance your monthly spend.
Income protection can generally be set at around 50-70% of your monthly income and is available after a designated period of being unable to work.
Request a quote today. It may surprise you how affordable this protection is.
Contact Us
Book your free protection consultation today
We offer a wide range of protect products to meet your individual needs.
Our qualified Mortgage and Protection advisors will be able to take the time you need to review your protection needs and ensure that you are covered for your needs.
We offer appointments to suit around you.
Evening and weekend appointments available on request subject to availability.
Face to face, telephone or video call appointments available.
Providing you with peace of mind
NO No one wants the worst to happen to them, but in the event it does having the correct cover in place will ensure you can still look after your loved ones.