Income protection plans & advice
Income Protection
Income Protection plans help you to pay your bills when you can’t work. They give you peace of mind knowing that if you're unable to work due to accident or sickness, you'll receive a weekly or monthly cash lump sum.
- For Households
- Income protection
What is Income Protection
Life is full of unpredictable twists and turns, but that doesn’t mean we can’t prepare for the unexpected. Imagine having the peace of mind that comes with knowing you’re safeguarded against the unknown. With income protection, you can protect yourself and your loved ones from life’s unexpected surprises.
Even if an accident or illness strikes, you can still maintain your financial stability. You can focus on your recovery without having to worry about keeping a roof over your head, putting food on the table, or paying your bills.
At our company, we believe everyone deserves the opportunity to protect themselves against the unknown. We offer a comprehensive service that helps you find an income protection plan that fits your unique requirements. With our partnership with a select panel of income protection providers, you’ll have access to a broad range of options to create a plan that’s perfect for you.
Why do I need Income protection
If you have concerns about your income in the event of an accident or injury, an income protection plan may offer a solution.
Consider the following questions: “If I were unable to work for six months due to sickness or an accident, would my income be sufficient to cover my financial obligations?” and “If I lost my income due to an accident or sickness, how would I protect my family, home, cars, and pets?” Income protection can offer peace of mind by providing continued financial support during difficult times. Take the time to carefully consider the benefits and determine if an income protection plan is the right choice for you.
which providers are on your panel?
We work with some of the most respected names in the UK protection industry. Our income protection plans are offered from the likes of AIG, Aviva, Holloway Friendly, Legal & General, Liverpool Victoria, Royal London, Vitality and Zurich.
With such a wealth of options available to you, we have complete confidence that we will help you to find a plan that suits your needs, and at a price that’s right for your pocket.
What benefits are available with your plans
- income benefits - of up to £5,000 a month paid
- occupations – most are covered, including office jobs, manual jobs and being self-employed
- deferred periods – benefits can start once you’ve been off work for 14 days
- proof of earnings – some plans don’t require proof of earnings or income
- sporting activities covered - some plans cover participation in hazardous and semi-professional sports
- benefit payment term – payments are available for up to 12 months, or even until retirement
- underwriting – different types are available, from no medical questions asked to full medical underwriting
- tax-status – payments are tax-free
do you take part in semi-pro or hazardous sports?
It has traditionally been a challenge for individuals who participate in hazardous or semi-professional sports to obtain income protection coverage, as many insurance providers decline these applicants or exclude injuries that occur as a result of such activities. These limitations in options have created difficulties for those who engage in sports.
Fortunately, our company specializes exclusively in this area and is uniquely equipped to find tailored coverage solutions that meet your needs. Whether you participate in motor racing or play football, rugby, or any other sports on a semi-professional basis, we are here to help. Please contact us to explore how we can provide you with the right plan that is specifically designed to meet your requirements.