Income Security
Income Protection with Clear, Straightforward Advice
Income protection insurance provides ongoing financial support if you are unable to work due to illness or injury, giving you a regular replacement income for as long as the policy allows. It offers long term security and reassurance that essential bills and living costs can still be managed while you recover. Because this cover protects your earnings, it can serve as a reliable part of your financial planning and help maintain stability for you and your household when unexpected health challenges arise.
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Frequently Asked Questions
Get quick, helpful answers to the most common insurance questions.
Income protection is an insurance policy that can pay you a regular income if you are unable to work due to an accident or illness. It can help you cover your essential expenses and maintain your lifestyle, providing you with peace of mind.
Anyone who relies on their income to cover their living expenses can benefit from income protection cover. It is especially useful for those who are self-employed or don’t have sick pay benefits from their employer.
Income protection cover pays out a regular income if you are unable to work due to illness or injury. You choose the amount of cover you need and the waiting period before the policy starts paying out. The longer the waiting period, the lower the premium.
The cost of Income Protection can vary depending on a range of factors, such as your age, health, and the amount of cover you need. It’s important to shop around and compare different policies to find one that offers the right level of cover for your needs and budget. Speak to one of our advisers, who can ensure you find the right product for your needs.
The cost of income protection cover can be affected by various factors, such as your age, occupation, health, and the amount of cover you need. If you have a high-risk job or a pre-existing medical condition, you may have to pay a higher premium.
In short, yes. This is probably one of the most important things when you’re self-employed. If you suffer from an illness or injury, which leaves you unable to work, what would you do? You may be able to apply for Employment and Support Allowance, which is nominal compared to your monthly income. You can expect to receive up to two-thirds of your monthly salary.