Income Protection

Income protection will provide an income if your unable to work through illness of injury. You can choose a deferment period between 7 days and 12 months with the benefits becoming payable after the deferred period having a more expensive premium with a shorter deferred period.

This type of plan can be linked to an employer scheme or can be based on a standalone basis for employed and self-employed people alike.  There are many options including own occupation and guaranteed premiums.

The benefits of this type of plan can be paid until a return to work or in some circumstances until retirement.   Having the correct level of cover of cover is crucial and has the correct plan in place that will give the optimal level of cover for a cost effective premium is important and good advice is the critical success factor in effecting the most suitable plan

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at