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If you work and have an income then this is definitely something you should consider. Most people don't consider what would happen if they were unable to work due to sickness, accident or a disability.

Overview of Income Protection

  • This protection product is designed to pay up to 70% of a working individuals annual pre-tax income as a monthly benefit (tax free) should they be off work due to illness or injury.
  • There is no restriction as to what illness or injury this maybe, it’s simple. If you can’t work, you can make a claim.
  • You can choose how long you want to wait before the benefit is paid, this is known as a deferred period which varies from day 1 to 52 weeks
  • You can claim as many times as you want throughout the policy term, short and long-term options are available starting from 1yr, 2yrs, 5yrs or full cover which usually insures you up to retirement age.
  • Some of our providers pay weekly benefits as well as monthly
  • If you have pre-existing medical conditions they maybe excluded from the policy, so you wouldn’t be able to claim on an illness or injury you already have before policy was taken out.


Why is this important for your clients?

Anyone who is self-employed (including contractors) or doesn’t have full sick pay from their employer has a genuine need for income protection simply because if you’re not working you’re not earning any income, which means paying for all your outgoings becomes extremely different. State benefits are getting harder to qualify for and you may not get enough benefit to cover your outgoings even if you did qualify. We can cover most occupation classes and some of our providers will not charge more for a higher risk occupation.

“But I have savings”

The question you need to ask yourself is, what were you saving for? Maybe a car, holiday or a deposit for a house, children funds etc. why should you dive into your savings when you can have an income protection policy. If you have your own rainy-day fund, ask yourself how long is it going to last. Once funds run low what would you do?

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