Income Protection

Have you ever stopped to think how you would cope if you were off work, and your income stops coming in? It doesn’t matter whether you receive sick pay or not, at some point your employer will stop paying you but the bills will still be there. Most of us are optimists and like to think that this sort of thing only happens to everyone else, or if it did happen to me I would find a way (cut down on things, rely on family, etc.) but is this really something you could do (or would want to do)?

What it does

• Designed to provide a monthly income to replace lost salary in the event of being off work due to injury or sickness
• Will start paying out after an initial waiting period, which will usually coincide with your sick pay from work
• Does not include redundancy cover
• The policy will run over a set term (typically to your retirement age)
• You can make multiple claims over the lifetime of the policy

Who is it for?

Anyone who is working (either employed or self-employed) and wants to ensure that a regular income continues to come in if salary ceases due to being unable to work due to illness or injury.