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Income Protection Insurance

Income protection insurance, also known as income replacement insurance, can provide a long term monthly income if you become ill with a non-critical illness, suffer an injury or disability severe enough to prevent you from working over an extended period of time.

If such an incident did occur, how would you continue to cover lifestyle expenses and overhead costs? If you are fortunate enough to have savings tucked away for a rainy day, how long would it last? And wouldn't it be better used elsewhere, retirement, holidays etc? You may have employment benefits from your employer, receive assistance from the state, or have a short term accident and sickness policy in place, but would this be sufficient to cover your outgoings for many years if necessary? The sudden loss of income could be devastating.

How long would your finances last without an income?

By allowing our Recommended Independent Financial Advisors to advise you on an income protection plan to suit your financial needs you could be safeguarding your future from potential loss of earnings.

Income protection cover is available whether you're employed or self-employed depending on your personal circumstances. Contact us today and one of our recommended advisors will be more than happy to discuss your requirements.

Our recommended advisors will:

  • Go through a full fact find and affordability assessment with you to determine your needs
  • Review existing protection policies
  • Create a plan tailored to your individual circumstances
  • Offer you the right solution under no obligation
  • Arrange medical assessments at your convenience if required from the provider
  • Ensure you're adequately covered up to the maximum allowable limits under current legislation
  • Provide you with regular updates on your application progress
  • Regularly review your protection portfolio to ensure you are covered for any lifestyle or legislation changes whilst still obtaining the most suitable policy.