We can advise on an income protection policy best suited to your needs, providing cover should you lose your income due to sickness, accident or disability.
Income Protection provides protection if you are unable to work due to illness, sickness or disability by paying a proportion of your salary until the policy end date or you return to work.
This usually begins after a deferred period, generally between 4 – 26 weeks, and is very useful if you find yourself unable to meet your regular commitments, one prime example being mortgage payments.
Policies are available for both self-employed individuals and employees; this can complement any contracted sick pay arrangements in place with your employer. We can advise on the different schemes that are available and which is best suited to your needs, ensuring you benefit from the best cover at the most competitive rate.
If required, we can also advise on plans that cover a certain liability over a specific timeframe, or which provide changing cover on a whole-life basis. We can also arrange a Group Protection Policy for your company, which provides not only income protection, but other benefits such as access to medical helplines.