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Income Protection BenefitProtect yourself against losing your income through injury, illness or disability.Long- term illness is something we all hope will pass us by. But sadly, it strikes more people than we care to imagine. Many of these people and their families suffer financial hardship as a result, and the state offers only minimal help. Why an income protection plan?An income protection plan helps you maintain yours and your family’s lifestyle. These plans will replace a proportion of your salary and will provide a tax-free monthly benefit if you are unable to work through accident or disability. The monthly tax-free benefit will be paid until you recover or until the end of the term of your policy which can be linked to retirement. Flexibility to suit youYou can choose to have the benefit paid level or to have it increase throughout the period of your claim. You can also choose to have the benefit paid after set period, maybe to coincide with the end of your employers sickness benefit? This can help to reduce your premium. Advice on the best products for youOur professional advisers will help you identify the most appropriate policy. We will help you understand when your policy will pay benefits. Income protection policies vary greatly – some will pay if you are unable to do your own job while others will pay out only if you are unable to do any job. Our comprehensive research, and technology, allows us to shop around This is what we do! Not only will we research the cost of your Life Insurance, we will also consider the types of cover available, along with the features and benefits of the various plans. |
Consider Single or Traditionally joint cover was cheaper than taking one policy each. However, in recent years this has changed. Buying two single policies potentially provides double the cover, doesn't leave a surviving partner without cover later in life and often only costs a few percent more. 
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