Income Protection

Income Protection

If you’re unable to work because of illness or injury, the last thing you want to worry about is how you’re going to pay for your bills and living expenses. Income protection insurance can give you some comfort and help to cover the costs, so you can focus on your health. Let us help you to find the right policy and take some of the worry away.

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Income protection is an insurance policy that pays you a regular income in the event that you are unable to work due to illness or injury.

Income protection pays you a regular income to replace some of your lost earnings, should you suffer an illness or injury that stops you from working. Income protection does not completely replace your wages – policies usually pay out between half to two-thirds of what you would normally earn.

Income protection policies don’t pay out straight away – you would usually have to wait a minimum of four weeks. This is because there is often other financial support you can receive in the meantime, such as sick pay from your employer, or Statutory Sick Pay.

That depends on your situation. When deciding if you need income protection, you should think about if your employer already provides sick pay, if you already have other insurance policies in place to cover you, or if you have savings you could use in the event you were unable to work.

Income protection can be useful if you are self-employed, as you will usually only have savings or State benefits to cover any loss of earnings.

That will depend on how much you would normally expect to earn and the living expenses you would want to cover. Our expert advisers will discuss your individual needs with you and help you decide on how much cover you will need.

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Critical Illness Cover

Life Insurance

Over 50s Life

Whole of Life

Representative example: This is based on a 28 year old, non-smoker, on around £1,500 monthly benefit. This would come with a 3 month deferred period and a 2 year claim period.