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Income Protection Insurance
What would happen to you and your loved ones if an unexpected accident or illness prevented you from working? With Income Protection Insurance, you get the peace of mind that comes with knowing a replacement portion of your salary will be taken care of.
You can choose the amount needed for coverage-- enough to cover monthly commitments such as mortgages, bills, rent - so those dependents in your family have financial stability during unfortunate times.
When it comes to illness, Critical Illness Cover will only protect you against conditions that are severe enough to potentially put your life at risk. But what happens if something less serious – such as depression stop you from working?
This isn't covered by Critical Illness Insurance but could be with the right Income Protection policy. And even better: this type of insurance also covers business loans! So while they both offer legal protection, income protection offers much more than just critical illnesses alone.
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!
