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Income Protection Insurance

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Income Protection replaces part of your income (tax free) if you are unable to work for a long period of time because of illness or disability, and will continue to pay out until you can return to some kind of paid work, reach retirement or death, whichever is sooner.

Alongside life insurance, income protection is a must-have insurance for most working adults, but only few of us currently have. It has a waiting period before it will start to pay out. The longer you agree you’ll wait, the lower your premiums will be, so it is important you find out what income you can get from your employer, and other insurance in the event of illness or disability.

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What Exactly Is It
There are usually three types that you’re protected against – accident and sickness only, compulsory unemployment and the more comprehensive, accident, sickness and unemployment cover (ASU). You’re able to protect up to 70% of your gross salary and it’s designed to replace your income and to pay out a tax-free monthly sum until you are able to return to work, which can be used to help pay your monthly mortgage and certain bills.
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Planning Ahead
We all know to our cost sometimes that not everything in life is straightforward and things don’t always go to plan. Our Income Protection Insurance advisors can help you prepare for the unexpected and put in place some financial safety nets in case anything happens to impact your family or disrupt your plans. This cover might not be available to you if you have existing health problems or a dangerous job, get in touch so we can help you make the right selection.
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Do I Need It
Income protection Insurance is a useful product for anyone who wants to cover their salary so they don’t fall behind with monthly outgoings should they be unable to work. Typical times when people consider Income Protection can include many scenarios such as If they’d struggle to make ends meet if they had no incoming salary, or maybe if they have dependants or if they’re self employed. Just a few examples but there are many more which we can guide you on
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