Reasons to choose Income Protection Insurance
- Think about it - you're more likely to be off work sick than you are to pass away before retirement, so this is the most essential cover available
- If you're sick or injured, this insurance will enable you to pay your bills and provide for you and your loved ones
- Where state benefits can and do change inline with government policy, this cover is a contract and a promise to you that won't change
Why taking expert advice makes the difference
- Income protection is one of the most important insurances, as without a regular income you could be hard-pressed to pay the bills
- Even if your budget is tight - we'll help you prioritise which cover is best for you
- Being unable to earn is less of a worry when you know your wages are protected
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Frequently asked questions about this type of policy
Income protection insurance can provide an income if you’re unable to work through sickness or injury - covering your essential outgoings.
Income protection policies can be divided into two general types: short-term and long-term. A short-term policy, as its name implies, only gives you an income for a present limited time, such as six or 12 months. Long-term policies pay you for as long as the policy allows, which might be right through to your retirement or a longer set period, such as 40 years.
Of course. income protection insurance is available to self-employed, primary carers, part-time workers, contractors and more; our expert advisers can provide you with a tailored quote.
Even if you have some difficulty proving your income, there are plenty of options available.
Income protection covers you for most illnesses that leave you unable to work: stress-related illnesses, back conditions, cancer or a serious heart condition. The focus is on not being able to work, as opposed to the illness or injury you’ve sustained.
You won’t be covered for pre-existing and chronic conditions that you knew about before taking out your policy, alcohol or drug misuse, criminal acts, cosmetic surgery or redundancy.
A quick guide to income protection insurance
COVID-19 and income protection insurance
If you have an income protection policy or are thinking about buying cover, this guide is for you!
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Each year, one million people in the UK become unable to work due to illness / injury
At least 7% of income protection claims pay out in the first five years of a policy being taken out