Income Protection

How long could you continue to pay all your bills if you were off work due to an accident or illness?

None of us like to think that something bad will happen to us but year on year close to a million people are off work for longer than a month, due to an accident or illness.

If that was you how long could you continue to cover all your household outgoings simply from savings or sick pay?

Income Protection, for which there are two types, cover such an eventuality. If you are unable to work due to illness or injury the policy will ensure you will still be able pay your bills, thereby offering you peace of mind for you and your family.

The types of cover are:

  • Long Term Income Protection, historically known as Permanent Health Insurance. This is fully underwritten at the time of application and after a defined agreed deferred period will pay out until retirement, death or your return to work.
  • Short Term Income Protection. This is generally cheaper and comes in various forms such as Accident, Sickness & Unemployment (ASU) or Mortgage Payment Protection (MPPI). These policies do not generally conduct full underwriting and pay out only within a short specified period of one to two years.

Of all the protection insurance’s available to protect you and your family, this is probably the most important. It will cover all your household expenses including your other insurance premiums, and ensuring you keep the roof over your head.

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