Income Protection

We all need to be protected. What would happen if a sudden illness or disability occurred? We can help provide you with the peace of mind that comes with knowing you are protected if something should happen.

Income Protection Insurance - Income Protection is an insurance policy which provides you with a regular tax-free (under current legislation, tax year 2016/2017) income if you can't work because of illness or disability. The benefit paid is up to a maximum percentage of your earnings - often 50% or 60% of gross pre-disability earnings.

Policies pay out after you have been off work for a period of time (known as the 'deferred period'), and will continue to pay out until you can get back to work or until the end of the policy term.

You can usually choose a deferred period of 4, 13, 26 or 52 weeks, depending on how long you may be able to survive on any savings or how long you receive sick pay from your employer.

Contact us now for more details.