Income Protection

Income Protection Cover

Income protection pays out if you can't work and suffer a loss of earnings due to ill health, accidental injury or unemployment.

It can cover up to 70% of your pre-tax pay if you are unable to work.

How does it work?

Income protection is a very important insurance to consider if you earn an income; it will be paid once a doctor has certified you as medically ill.  We only recommend the most comprehensive Income Protection policies that will pay out if you are unable to do your own job.  Call us to discuss the best Income Protection insurance for you.

What is covered?

An Income Protection policy covers everything that your income pays for.  It protects against disability and sickness and you can also include optional unemployment benefit.  It pays out until you are able to start working again or for the period you choose.  Homemakers with dependents can also take out cover for the cost of homecare and childcare.

The best policies provide a replacement income for your own occupation and provide a tax free monthly amount until your retirement.

Frequently Asked Questions

Income Protection replaces part of your income if you are unable to work due to sickness or disability. You can also add cover for unemployment.
We can help you choose a policy that is built around your own individual circumstances, you may want to cover as much of your income as possible, or you may prefer to only protect your mortgage payments.  We can also help you choose the length of the policy and how long the policy pays out.
 If you are self-employed and would like to discuss cover, our advisers will be happy to discuss the options available to you.
If there are any specific questions you would like to ask, please do not hesitate to give us a call.