Stay afloat during difficult times with Income Protection Insurance


Income Protection Insurance

Income Protection Insurance pays out a regular tax-free replacement income if you become unable to work because of illness, injury or, with certain policies, unemployment.

It could help you keep up with your mortgage repayments and other living costs until you’re able to return to work.

Policies have a waiting period before they pay out, which begins when you become unable to work. The longer the period chosen, the lower your premium. It’s a good idea to find out what your employer would pay you, and what state benefits might be available so you can choose an appropriate waiting period.

The premium you’ll pay will vary depending on your age, health and job, as well as the level of income you wish to protect.

If you become ill or suffer an injury during your working life, an Income Protection policy can help protect against any possible loss of income, and speed your return to work.

why work with me?

With policies, the devil is in the details - and it’s often too late by the time you realise. That makes our job of helping clients all that more important: when analyzing a policy's options, one key question we ask is “Will this have a guaranteed or reviewable premium?”

With reviewable premiums there can be an unwelcome surprise down-the-line; as Covid means these are likely to rise significantly over coming years. We help examine each nuance carefully so nothing catches people out later on - because no matter how fit & healthy they may be now – their bills could still increase if they took out cover without knowing about hidden costs!

Life isn’t always smooth sailing and if unforeseen circumstances, such as an injury or mental health problem affect your ability to work, you may struggle navigating the insurance policies on offer.

That's where I can come in- offering impartial advice when it comes to finding the best policy for YOUR specific needs! I will guide you through all of that tricky jargon so that no hidden clauses get left behind; we'll be there every step of the way with knowledgeable insight into which provider has got what is right for YOU!