Protecting Your Income

How would you pay the bills if you were too ill to work? Income Protection will protect your income
to help enable you to pay all your bills, not just your mortgage.

What is Income Protection?

Income Protection is an insurance policy which provides you with a regular tax-free (under current legislation, tax year 2016/2017) income if you can't work because of illness or disability. The benefit paid is up to a maximum percentage of your earnings - often 50% or 60% of gross pre-disability earnings. Policies pay out after you have been off work for a period of time known as the 'deferred period', and will continue to pay out until you can get back to work or until the end of the policy term, whichever is soonest. You can choose a deferred period from 1 week up to a year, depending on how long you may be able to survive on any savings or how long you receive sick pay from your employer.

We work closely with you and carry out research to understand your needs and wishes.