Income Protection

Give some thought to the following;

  • What would happen if due to long term illness, injury or accident your income stopped? Take a look at your monthly net pay and then ask how long you might survive without it…..


  • If you are really lucky your employer will pay you for a period, maybe even full pay for the first 6 months of illness but what happens after that….


  • Possibly you have savings, but how long would these last even in just maintaining your “essential” monthly outgoings….


  • “My family would help” is another option maybe, but how long could this be sustained before tensions arise….


This is where income protection cover fits. It can be tailored to your individual circumstances to begin after any employer’s sick pay ceases, increase in conjunction with inflation and end in line with a mortgage being fully repaid or children finishing education.

Finally, it is underwritten by the insurer at the time of application so that you know exactly what is covered and any exclusions. Recent statistics confirm that 97% of claims were paid out (Association of British Insurers 2016).

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