Income Protection Insurance

Protect Income when you cannot work due to Accident, Sickness or Unemployment.
3 Month Payment Holiday Available.
Cover available up to £2,000 a month.
12 Month Policies.
Flexible Policies.

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Income Protection Insurance

Income Protection Insurance is an insurance to protect your income against a number of possible eventualities. Short term income protection covers you for eventualities such as sickness, injury or shorter term illness, whilst long term income protection will cover your income for longer periods, perhaps a more serious injury or illness, or disability. Both will cover you for your income until you are ready to return to work or until the end of the term of the cover.

Short term income protection is designed usually as an insurance when taking out a loan and is designed to insure the loan payments against the borrowers inability to work through accident or illness. Most of the time this short term Income Protection Insurance is not obligatory but gives great peace of mind for the borrower, knowing that in the event of any serious issues that the main loan and their income will be covered.

Longer term income protection insurance is designed for those looking to have an insurance in place that will protect them long term, for the duration of the policy to offer peace of mind that any financial commitments that they have will be covered in the eventuality of long term illness, loss of employment or even loss of life. Premiums are dictated by medical history as well as age. Needless to say lifestyle is examined also, as certain lifestyles will impact on the possibility of making a claim for illness for example, and premiums are adjusted accordingly.

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