What is income protection?
Income protection helps you pay your bills when you can’t work
No one knows what lies ahead, but we do know that accident or sickness can strike at any time. When it does, it could leave you unable to work, hitting your pocket hard.
With an income protection plan, you get to enjoy the 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.
This valuable benefit can help pay for your everyday needs - from keeping a roof over your head and food on the table, to ensuring your household bills are covered. It's straightforward, common-sense protection to see you through the hard times.
What income protection plans do you offer?
We offer a comprehensive service to help you find a plan that fits your unique requirements. We offer our own Accident & Sickness Plan, and we also work with a select panel of leading income protection providers to offer a broader range of solutions.
Do you take part in semi-pro or hazardous sports?
Traditionally, it’s been a challenge to get income protection cover if you take part in hazardous or semi-professional sports. Many insurers would decline these applicants altogether or exclude any injury suffered as a result of these sports. With so many of us taking part in sport, options have been limited. Fortunately, we’re one of the few providers who specialise in this area. So, whether you’re into motor racing or take part in football or rugby on a semi-pro basis, get in touch and we’ll help to find the right plan for you.
What benefits are available with your plans?
Here are the typical benefits available with our plans:
Income benefits - of up to £5,000 a month paid
Optional extras – unemployment cover, life cover and critical illness cover are available with certain plans
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