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Income Protection
What would be the impact if your income stopped tomorrow?
What is your monthly income? If you had a machine that printed that amount of money each month, would you insure it? The likelihood is that you would. Well that machine is you!
Income Protection gives you the peace of mind that any future loss of earnings arising from accident, illness or redundancy are protected against. It's designed to cover your main monthly financial commitments such as mortgage or rent, household bills and food.
Whether self employed or working for a company, Income Protection will go toward maintaining the lifestyle you're accustomed to, should you be forced to take some time off work. Currently payments are tax free.
Cover is typically up to 70% of your gross annual salary and can also provide continued benefits if you go back to work in a reduced capacity with reduced salary.
The policy has no cash in value at any time.
'the one insurance policy every working person should have... but doesn't' Which?
We have access to a wide range of insurers to find the best protection for you and your family.
Source: 1 www.gov.uk. 2 & 3 The Telegraph. 4 Office for National Statistics.
Free initial consultation
Evening and weekend appointments
Experienced Protection Advisors
The importance of protection
Protection can often be overlooked but should always be considered.
It should also be reviewed regularly to ensure it continues to meet your specific needs.
Your employer is only obliged to pay the equivalent of statutory sick pay, currently £99.35 a week, for up to 28 weeks
1
More than 5 million people are being signed off work each year
2
Mental health and behavioural conditions make up 31% of cases
3
149.3 million working days were lost due to sickness and injuries in the UK in 2021
4
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