Income Protection

A Regular Income, Even If You Cannot Work

Most of us never imagine that there will be a time that we are not fit to work through sickness or even disability, but it’s something we should be thinking about more and more. Since Covid19, we have seen more people unable to work because of the long-lasting effects of this virus. Obviously, Covid19 is just one example of a long term illness and has made us all think about our own health in more detail.

What is Income Protection?

If you find yourself unable to work due to sickness or disability, then the Income Protection Insurance will pay you a regular income right through to your return to work or if this isn’t feasible, then through to your retirement.

This policy will not pay out the same as the wages you were earning but are usually between half and two thirds of what you were earning before tax. This money is tax free. Money is deducted for the state benefits you are entitled to claim.

There is usually a minimum 4 week wait to be able to claim the payments and this can even increase to 2 years depending on any payments you may get from your employer and for how long, or, you can even claim Statutory Sick Pay for upto 28 weeks after you have finished work.

Because we want to ensure you get the right insurance policy, please give us a call to go through all the options with our friendly team of experts 01274 028019

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What we do
Our Services

Life Assurance

A tax-free sum to whoever you choose on the event of your death

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Life Term Assurance

Life cover over a pre-agreed period of time

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Whole Life Assurance

Guaranteed lump sum for your family

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Critical Illness

One off payment for specific medical conditions

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Family Income Protection

A term insurance for regular financial support for terminal illness diagnosis or death

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Home Insurance

Ensuring your property is covered for all eventualities

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Business Insurance

Protection for Business Owners and Independent Professionals

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