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Income Protection

Could you afford to pay your bills if you are off work sick?

Employed or Self Employed, this is one of the first questions we will ask our clients. Statutory Sick Pay currently sitting at £95.85 per week certainly wouldn’t help many people continue to meet their bills every month.
That is were Income Protection can help give peace of mind in case you are injured.
Put simply this is a policy that pays out if you are unable to work due to illness or injury. There are various types of IP policies. Most of these policies will cover 60% of your taxable income – what you have to decide is the term of the policy and length of cover as well as the deferment period. This can be a minefield of information and so we would recommend based on a full and detailed discussion around your income and expenditure to assess what your needs would be and what is within your affordability.

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