Income Protection

Make the most of every day, living the lifestyle you’ve worked for, safe in the knowledge that, if sickness or injury means you can’t work, you have insurance in place that can help support you financially.

Financial Safety Net

If you were unable to work due to sickness or injury, how will you pay your bills?

With income protection insurance, you can cover up to 65% of your income, which can help ease the financial burden of your continuing living costs, while you’re off work.

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Home & utilities

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Sports & hobbies

What is Income Protection?

Income Protection insurance allows you to cover up to 65% of your income, providing a tax-free payment to help financially support you, if you are unable to work due to illness or accidental injury.

It gives you peace of mind, knowing you will still have some money coming in to help pay the bills while you recover.

There are two types of income protection:

  • Short Term Income Protection: will pay you a benefit should you become unable to work due to illness or injury, and has a maximum claims period, usually for one or two years at a time.
  • Long Term Income Protection: will pay you a benefit should you become unable to work due to illness or injury but, unlike short term plans, can pay benefits right up to retirement.

We can advise you on Income Protection

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Self Employed

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High Risk Occupations

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High Risk Sports

Features Income Protection can offer:

  • A tax-free income if you can’t work due to sickness or injury
  • Fracture benefit options
  • Daily Hospitalisation benefits options
  • Ability to make a claim from Day 7 of your certified inability to work
  • Cover for injuries, whether they occur at work, home or during sports/hobbies
  • Cover for ‘high-risk’ sports, occupations and hobbies

How it works

We base our advice on your specific circumstances and requirements, drawing on our years of protection insurance experience, to make the process of arranging protection insurance through us as simple as possible. To be able to give you advice, we will gain an understanding of;

  • You and your family
  • Health and lifestyle
  • Employment and income
  • Monthly commitments

When should I consider an income protection policy?

If you have any financial commitments, ask yourself these 2 questions…

“How much do you get paid if I am off work? Is it enough to cover my financial commitments to retirement?”

If the answer is no, then income protection insurance could be the answer to covering your financial risk gap. Even if you receive sick pay, this is likely to stop at some point.

Having an income protection policy that starts when your income stops, will mean you are aren’t leaving yourself financially vulnerable, even if you were unable to work again for the long-term.

Another ideal time to consider your income protection needs is a major lifestyle change, for example…

Buying a house

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Becoming self-employed

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The birth of a child

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Change to job or your salary

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When might Income Protection insurance be right for you?

Following a review of the monthly out-goings of a family of 4 in the East of England, UK, it cost just over £2,500 a month to cover common living expenses, including mortgage payments?

Unless you have savings or other means of financial support, it can be difficult to keep up with essential outgoings if you are unable to work. Statutory Sick Pay (SSP) and company sickness policies could cover you in the short term, but income protection provides long-term financial support to help you with mortgage/rent payments, household bills and other living costs.

Self-employed people don’t have the (short-term) luxury of an employer sick pay scheme, and they are not entitled to SSP. So, if you’re self-employed, income protection can act as a financial safety net, aiming to protect your livelihood and income.

How we can help

Here at Properly Protected, we specialise in protection insurance advice for all your family, business and sports enthusiast needs.

We understand how important protecting your family, income and lifestyle is to you, should the worst happen – which is why we can advise you on income protection plans to suit your needs.

Get income protection insurance, as you need it. Get in touch with the Properly Protected team today for a ‘fee-free’ income protection advice.

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The above cover is available across several different policies and all cover is subject to underwriting and individual circumstances.

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