Protecting Your Income

Sickness leading to a loss of earnings can happen to anyone. We can help you limit exposure to this unnecessary risk. Allow us to advise you on the best way to help protect your income.

What is Income Protection?

Income protection benefit pays a monthly benefit if you can’t work due to incapacity caused by illness or injury, resulting in a loss of earnings during the policy term. Income protection is there to ensure you continue to receive a regular income until you retire or are able to return to work.

It is important to remember that income protection is not the same as critical illness cover and will not pay out a cash lump sum.

How much does income insurance cost?

 As with all insurance policies the amount you pay will depend on a number of factors. The most common of these will be:

• Age

• Health 

• If you smoke

• Your current health status 

• Type of job – some jobs come with higher risk factors

What are my next steps?

With Income insurance everything will depend on what type of cover you have in place. It is important to discuss all your options with a fully qualified broker. Our team are on hand to help guide you through each of the stages and provide you with the most suitable policy.