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…
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for income protection insurance
Recent research by Legal & General shows that many of us are worryingly close to being on the breadline if we miss even one month's pay. The average employee’s 'deadline to breadline' if they lost their income was just 32 days. With 23% saying they don’t save any of their monthly income, many people simply don’t have the resources to fall back on should the worst happen.
This is where income protection insurance can help.
We offer impartial and independent advice on a range of income protection insurance options to safeguard your income and lifestyle
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.
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.
Income protection insurance for Executives
An Executive Income Protection (EIP) is an important, tax-efficient employee-benefit for business owners and for their employees considered to be essential to the success of their business.
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.
INCOME PROTECTION INSURANCE
For an in-depth overview of income protection insurance, download our free guide
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If you'd like impartial and independent advice about income protection insurance and how it can benefit you, get in touch today.