Income Protection Insurance

Being unable earn your usual income because of sickness, can be a scary thought, but one many people choose to push to the back of their minds.  

Consider how you would support your familyand your lifestyle if you were to get sick?  Mortgage or rent, bills, loans, car expenses, university fees etc. -  it all adds up!  Once you have caculated how much you and your family need to live each month, you can use our income protection insurance quotes system to see just how little you need to spend to protect that way of life.  

• Income protection provides a monthly income if you cannot work due to illness or sickness after a set 'deferment' period.
  
• Payments are made tax free and usually continue until you recover, reach the end of the policy or die. 
  
• Usually policies can be held up to age 65 or until you retire, cancel the policy, or if earlier, when you stop paying the premiums.

Income Protection plans do not cover redundancy - if you require redundancy cover aswell, this which can be included under an accident, sickness and unemployment policy - click here for unemployment insurance quotes from our specialist partners ASU compare.

You may choose a benefit d eferment period of between 4 - 52 weeks.  In the event of a claim this is the time you must wait before receiving your monthly benefit - the longer the deferment period the cheaper the premium will be.  The benefits can also, optionally, be index linked.

With an our income protection policies, you can choose the monthly sum you want the cover for, however  the maximum cover is generally dependant on your annual salary.