Income Protection

Quite often we hear ‘it could never happen to me’ or ‘I’ll sort it out later’. The old saying that “failing to plan is planning to fail” really hits home in this particularly important area.

What is Income Protection?

Income Protection Benefit provides a monthly benefit should you be unable to work due to incapacity caused by illness or injury resulting in a loss of earnings. This means that the policy continues to pay a monthly benefit as long as you are incapacitated and unable to return to work, suffer a loss of earnings, you die or the policy ends.

Who is it for?

This type of policy is designed for anyone who is working, including self employed clients. Your employer is legally obliged to provide sick pay for up to 28 weeks, so you may wish to consider ongoing protection.  An Income Protection Benefit policy can be adapted to fit in with any existing protection you might have.

This product is not a savings or investment product, and has no cash value unless a valid claim is made.

It does not include unemployment cover, and therefore will not pay out if you become unemployed. 

More Information

More information is available in the appropriate providers Key Features Document. For insurance business we arrange policies from a carefully selected panel of insurers. As with all Insurance policies, conditions and exclusions will apply. Ask us for a list of insurers we offer insurance from.