Safeguard yourself, your family and your income against the unexpected 

If there’s one thing in life we can be certain of it’s that life is uncertain. No-one can predict the future and none of us know what might lurk around the corner. Have you stopped to consider the impact of being unable to work due to an accident, injury or illness? 
Could you keep up with your rent or mortgage repayments? 
Not to mention the host of other monthly outgoings… 
for income protection insurance 
What is Income Protection Insurance? 
An income protection policy will provide you with a monthly, tax-free income if you're unable to work on medical grounds through an event such as an accident, bodily injury or illness. It offers a crucial safety net if you have insufficient savings or employer sick pay to enable you to manage financially in the absence of your monthly pay. 
Why do I need to protect my income? 
A recent report by Legal & General revealed that the average UK employee would run out of money after just 32 days if they lost their income. Despite this, few of us stop to consider how we might cope without our monthly salary. Income protection insurance is something that every working person should consider – regardless of age or current state of health. Life is unpredictable, and none of us knows what tomorrow holds. 
We offer impartial and independent advice on a range of income protection insurance options to safeguard your income and lifestyle 

1 Standard income protection insurance 

This insurance protects against loss of earnings. It provides a monthly, tax-free income if you’re unable to work due to illness, accident or injury. It covers almost every type of illness or injury and, unlike critical illness insurance, is not restricted to a predetermined list of conditions. 

2 Income protection insurance for NHS professionals 

Ill health or accidents can happen to anyone and medical professionals are no exception. In the first five years of working for the NHS, employees’ sick pay entitlement is subject to several changes. For this reason, it can be difficult for medical professionals to know what deferral period to choose for an income protection policy. However, policies designed specifically for NHS professionals – featuring an NHS Sick Pay Guarantee – take this uncertainty out of the equation. 

3 Group income protection insurance 

This insurance is a benefit that employers provide if employees are unable to work for an extended period due to illness/injury. The insurance normally pays a percentage of the employee’s salary (typically 50-75%), with payments beginning after six months when statutory sick pay ends. 
If you'd like impartial and independent advice about income protection insurance and how it can benefit you, get in touch today. 
Our site uses cookies. For more information, see our cookie policy. Accept cookies and close
Reject cookies Manage settings