Income protection

Keep your finances in check, even if you're unable to work. Income protection insurance helps cover your earnings if you're sidelined by illness or injury so you can focus on getting back on your feet.

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Why get Income Protection?

When life takes an unexpected turn, your bills don't stop. Income protection insurance offers a steady replacement of your income so you can continue to pay for everyday essentials like rent or mortgage payments, food, and monthly bills if you cannot work due to illness or injury. This type of policy is perfect for self-employed people with limited savings or who don't receive a good sick pay package. With income protection, you can focus on your recovery, knowing your financial health is taken care of.

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FAQs

Answering your Income Protection questions

Who needs Income Protection?

Income protection is essential for anyone in full-time employment. It is essential for those who are self-employed, have no sick pay or have limited savings.

What does Income Protection cover?

This policy covers all illnesses, even mental health conditions, the only illnesses it will not cover are per-existing illnesses you have before taking out the policy.

How do I claim?

You’ll need to be signed off by your doctor. Once you’ve received confirmation from your doctor, your policy will start paying out after your deferral period (the predetermined amount of time between making a claim and your payments starting also known as the waiting period)

How much of my income does this insurance cover?

Income protection typically covers up to 60-70% of your gross income, depending on the policy. This ensures you have a steady income stream if you cannot work.

What does income protection not cover?

Pre-existing illnesses. Your policy will also not cover you for redundancy. It is not unemployment cover, so it won’t pay out if you become unemployed. It’s not a savings or investment plan and has no cash value unless a valid claim is made.

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