The Best Protection Insurance for Self-Employed Workers

Being self-employed gives you freedom, but it also comes with challenges. Without benefits like sick pay or health insurance, having the right self employed protection insurance is crucial to safeguarding your income and well-being.

Why You Need Protection Insurance

As a self-employed worker, your income depends on your ability to work. But what happens if you get sick, injured, or face an unexpected ill health event? Without insurance, you could be left without cash to pay the mortgage and bills.
Protection insurance is your safety net, I challenge you to suggest a better one.

 Call our specialist protection adviser Lee Martin now on 07809747536 to discuss your options and secure your income!

This short guide will help you understand the essential self employed protection insurance options and how to choose the best one for your needs. We have focused our information on insurance that pays out if you DON'T die and can help you get back to work and look after your finances

Top 3 Protection Insurances for Self-Employed Workers

1. Income Protection Insurance -sick pay for self employed

Income protection insurance replaces a portion of your income if you’re unable to work due to illness or injury. Typically, it covers 50–70% of your income until you recover or reach retirement age.
Why It’s Important:
●    Self-employed workers don’t get sick pay.
●    It provides a steady income when you can’t work.
What to Look For:
●    Policies tailored to your job.
●    Flexible options for waiting periods before payments begin.

 Call our specialist protection adviser Lee Martin now on 07809747536 to discuss your options and secure your income!

2. Critical Illness Insurance

Critical illness insurance gives you a lump sum payment if you’re diagnosed with a serious condition, such as cancer, stroke or heart disease and many more.

Why It’s Important:
●    Covers potential medical bills, living costs, or business costs.
●    Offers financial security allowing you to focus on recovery.
What to Look For:
●    Cover for a wide range of illnesses.
●    Affordable premiums with high payout potential.

 Call our specialist protection adviser Lee Martin now on 07809747536 to explore critical illness insurance options tailored to your needs!

3. Private Health Insurance

Private health insurance gives you access to faster medical care, ensuring you can return to work quickly after an illness or injury.

Why It’s Important:
●    Avoid long NHS waiting times for treatment.
●    Get treated and back to work quickly.
What to Look For:
●    Cover for diagnostics, outpatient care, and major treatments.
●    Plans that fit your budget.

 Call our specialist protection adviser Lee Martin now on 07809747536 to learn more about private health insurance options!

How to Choose the Right Insurance

1.    Assess Your Needs:

▪    What are your monthly expenses?
▪    Do you have dependents or debts that need covering?
▪    Set a monthly budget.

2.    Compare Policies:

▪    Use a qualified adviser who can carry out the research for you.

3.    Understand the Details:

▪    Check the small print with your adviser.

4.    Balance Cost and Coverage:

▪    Your adviser will create a bespoke plan that looks at quality and price.

Call our specialist protection adviser Lee Martin now on 07809747536 to discuss the best protection insurance options for your situation!

Why Act Now?

Life is unpredictable, and waiting could leave you vulnerable to financial stress. Protection insurance isn’t just a financial decision; it’s a way to safeguard your future and your peace of mind. Every day you delay just means it will cost more when you decide to go ahead.

Your Next Steps:

1.    Calculate Your Cover Needs: Calculate what you need covering with your adviser and set a budget you are prepared to pay.
2.    Explore Your Options: Let us do the research to find you the best value plan for your budget.
3.    Take Action: Don’t delay—secure your protection insurance today

Call Call our specialist protection adviser Lee Martin now on 07809747536 to discuss your options secure your future!

Final Thoughts

Being self-employed gives you freedom, but it also comes with risks. Self employed protection insurance helps you stay prepared for life’s uncertainties, ensuring that you and your family are financially secure.

Take charge of your future— call our specialist protection adviser Lee Martin now on 07809747536 to discuss your options and get the peace of mind you deserve.