Protect your most valuable asset - your ability to earn. Our income protection solutions provide financial security when illness or injury prevents you from working.
Income protection insurance provides regular payments to replace part of your income if you're unable to work due to illness or injury. It continues to pay out until you can return to work, retire, or the policy term ends, providing long-term financial security when you need it most.
Provides a regular monthly income, typically 50-70% of your gross salary, if you're unable to work due to illness or injury.
Continues to pay out for as long as you're unable to work, until you return to work, retire, or the policy term ends.
Benefit from private rooms, flexible visiting hours, and additional amenities that make your hospital stay more comfortable.
Many people underestimate their risk of being unable to work due to illness or injury. Consider these facts:
Income protection provides a crucial financial safety net, ensuring you can maintain your standard of living and meet your financial obligations if you're unable to work due to illness or injury.
Income protection insurance offers numerous advantages that can significantly improve your financial security and provide peace of mind for you and your family.
Ensures you can continue to pay your mortgage, bills, and other essential expenses if you're unable to work due to illness or injury.
Unlike statutory sick pay or employer benefits, income protection can provide support for years or even until retirement age.
Helps maintain your standard of living and prevents you from having to deplete your savings or take on debt during periods of illness.
Policies can be tailored to your specific needs, with options for different waiting periods, benefit periods, and additional features.
Benefits from personal income protection policies are typically paid tax-free, maximising the financial support you receive when you need it most.
Covers a wide range of illnesses and injuries that might prevent you from working, including mental health conditions and stress-related issues.
There are several types of income protection insurance available, each designed to meet different needs and circumstances. Understanding the options is the first step in choosing the right coverage for you.
The most common type of income protection, designed for individuals to protect their personal income.
Best for: Primary income earners, those with dependents, people with mortgages or significant financial commitments
Provided by employers as an employee benefit, covering multiple employees under a single policy.
Best for: Employees, companies looking to enhance benefits packages, businesses of all sizes
Designed for company directors and executives, paid for by the business as a business expense.
Best for: Company directors, business owners, high-level executives, partners in professional practices
Provides coverage for a limited period, typically 1-5 years, rather than until retirement.
Best for: Those on a tighter budget, people with substantial emergency savings, individuals with other financial safety nets
Specifically designed to cover your mortgage payments if you're unable to work due to illness, injury, or redundancy.
Best for: Homeowners with mortgages, those concerned about meeting housing costs during periods of illness
Provides short-term coverage for inability to work due to accident, sickness, or involuntary unemployment.
Best for: Those seeking comprehensive protection against multiple risks, employees in industries with higher redundancy rates
Getting the right income protection coverage is a straightforward process when you work with our experienced advisors. Here's how we help you secure the protection you need:
We'll help you determine what level of coverage you need based on your income, expenses, existing benefits, and specific concerns.
We'll calculate the appropriate coverage options considering your occupation, age, health, desired level of cover, and any additional benefits you might need.
We'll research the market to identify the most suitable policies and providers based on your specific needs, occupation, health status, and budget.
We'll assist with the application process, including any medical questionnaires or examinations required by the insurer during underwriting.
Once approved, we'll ensure your policy is correctly established and that you understand exactly what is covered and how to make claims.
We'll conduct periodic reviews to ensure your coverage remains aligned with your changing income, health needs, and circumstances.
Getting the right income protection coverage is a straightforward process when you work with our experienced advisers. Here's how we help you secure the protection you need:
We'll help you determine what level of coverage you need based on your income, expenses, existing benefits, and specific concerns.
Most lenders require at least 5-10% of the property value as a deposit. Government schemes like Help to Buy and Lifetime ISAs can help boost your savings.
We'll calculate the appropriate coverage options considering your occupation, age, health, desired level of cover, and any additional benefits you might need.
Check your credit score, gather necessary documents, and understand your budget. We'll help you prepare for the mortgage application process.
We'll research the market to identify the most suitable policies and providers based on your specific needs, occupation, health status, and budget.
With a mortgage in principle, you can start viewing properties within your budget and make offers with confidence.
We'll assist with the application process, including any medical questionnaires or examinations required by the insurer during underwriting.
Once your offer is accepted, we'll guide you through the legal process, surveys, and final mortgage application to completion.
Once approved, we'll ensure your policy is correctly established and that you understand exactly what is covered and how to make claims.
Congratulations! You've completed your purchase and can now move into your first home. We'll still be here for any future mortgage needs.
We'll conduct periodic reviews to ensure your coverage remains aligned with your changing health needs and circumstances.
Once your offer is accepted, we'll guide you through the legal process, surveys, and final mortgage application to completion.
Don't leave your financial security to chance. Our expert advisers can help you find the right income protection insurance to ensure your financial stability if you're unable to work.
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