Income Protection Insurance

Income Protection Insurance will pay you a liveable wage in the event of you being unable to work due to accident or sickness. Premiums are calculated on your occupation and benefit required (you can normally specify up to 65% of your gross salary). When calculating the benefit, you need to consider your outgoings. 

You also need to decide how long you could wait before the policy benefit is paid out i.e. 4/8/13 weeks, and also to what age the benefit would be paid if you were permanently incapacitated. 

Short term income protection is also available that pays out much quicker but will only last for 2 years. 

We will be delighted to advise and guide you through the (sometimes) complicated process of ensuring your financial independence in the event of you losing your income.

What would you do if sickness or injury prevented you from earning a living? How would it affect your lifestyle and loved ones? Your income stops but the bills just keep rolling in! Income protection cover is designed to ease these pressures when unforeseen circumstances arise. Knowing your financial situation is protected, gives you that extra time and support enabling you to concentrate on your recovery.