Income Protection Insurance

Our aim is to help individuals, families and companies by tailoring protection packages to suit their needs.

What Is Income Protection Insurance

Income protection is designed to pay a monthly cash sum if you are unable to work due to sickness or an accident. For example, this may be due to an accident, bad back or sicknesses such as flu or viruses. Income protection also protects against more serious illnesses like cancer and heart attacks.

The amount paid per month depends on the provider. This is normally calculated as a percentage of your gross earned income. However, you can choose the amount you require up to this limit. In addition you can also select a benefit period which can be either long term (Pays out for up to 5 years or retirement) or short term (Pays out for 1 or 2 years).

Some clients choose a deferred period to suit their needs (A deferred period is the period after a claim is made before you will start to receive benefit). This is normally when people have savings, or receive sick pay from your employer. We can adjust the deferred period to suit your needs. For example 1 day, 1 week, 4 weeks, 8 weeks, 3 months, 6 months or 12 months depending on the provider.

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Why Take Out Income Protection?

1

PAYS YOUR WAGE WHEN YOU ARE OFF WORK

Income protection will pay you a regular monthly benefit if you are off work due to an accident or sickness.

2

CHOOSE YOUR LEVEL OF MONTHLY COVER

You can choose the amount of monthly benefit you need (depending on provider). This is mainly calculated as a percentage of your gross earned income.

3

SHORT & LONG TERM COVER FROM A DEFERRED PERIOD

We will provide cover to pay you a regular monthly benefit. This can be from day 1 or deferred to suit you.