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Think of this as sick pay, if you are self employed and you don't pay for this, that's foolish, if you are employed and you think 6 months full pay and 6 months half pay will protect you, think again, if you have a mortgage for 300 months or 25 years, would it not make sense to make sure you have income coming in to pay for it?
Income protection insurance should be everyone's No1 priority and that's how we view things, we start with this when we create a protection plan for you, always working within your budget to achieve the best we can. Not everyone can afford every insurance but everyone can afford something, fact." call for advice...
Lee Martin
Senior Mortgage & Protection Adviser
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This provides income where you are ill or injured, and as a result your income through employment or your normal route stops. If Houseperson’s cover is included, then it will pay out upon illness or injury, irrespective of any income stopping.
It is designed to replace most of your net income.
Cover lasts for either a set term in whole years, or to a given age (typically your state retirement age). The amount you pay is called the premium. It can either be guaranteed not to change, or it can be reviewable. Reviewable cover normally changes based on the claims experience of the life assurance company.
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Warning Text
THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
