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5 reasons why you should consider income protection

Life is unpredictable and we never know what’s around the corner.

With this in mind, have you thought about what would happen to you or your loved ones if you couldn’t work due to illness or an accident which resulted in a loss of earnings?

Here’s 5 reasons why income protection is worth discussing with your adviser:

1. If you have little or no savings, income protection could be right for you

Income protection insurance is particularly important if you do not have substantial savings or other financial resources to fall back on in the event of illness or disability.

2. All illnesses are covered with income protection

With income protection, you're covered for any medical reason, so long as you've been signed off work by a medical professional

3. Income protection can pay out for as long as you’re ill

Income protection pays out until you can start working again – or until you retire, die or reach the end of the policy term – whichever is sooner.

4. With income protection you can claim again and again

You can claim as many times as you need to – while the policy lasts.

5. An adviser can shape the policy to your exact requirements

Income protection comes with lots of options, so it’s best to talk to an adviser so they can build you a plan that’s right for your life and budget.

Remember, life can change in a second, and knowing financial support is in place can make a world of difference.

Watch this short video from the Income Protection Task Force, where several families discuss the need to be prepared: Income Protection Task Force video

Get in touch today to discuss your income protection needs

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The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

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THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


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