Act now, be protected later
If you can’t earn a normal income due to illness, a sickness or disability, income protection will make sure you don’t struggle for money.
Ever since the pandemic, we’ve all been reminded how quickly life can change. And how ill health can happen to us all. Not only causing problems in life, but hitting us in the pocket too. So it’s only natural we should all look to protect ourselves.
Just as it made sense to take precautions during the coronavirus outbreak, it’s a good idea to insure ourselves financially. By choosing to take out an income protection policy, you could receive 50-70% of your income, should you fall ill and be unable to work.
Better still, your payments will land in your bank account tax-free, every single month. While it’s not enough to cover all of your lost earnings, it should be enough to keep you afloat.
What’s different about this cover?
Income protection is sometimes called permanent health insurance. That’s because it’s a long-term policy, rather than critical illness cover, which pays out a one-off lump sum due to a sudden, serious illness.
Family income benefit cover
Family income benefit covers you for a fixed period of time. Meaning if something were to happen to you, your family would be looked after financially.
Were you to die during the term until the policy end, the policy would pay out monthly and tax-free. Meaning if you took out a 20-year family income benefit policy and died after five years, it would continue to pay out for another 15 years.
The sooner you act, the more you save

As a rule, we encourage all our clients to protect their finances. But things change. You might start a family, grow a business or take on a mortgage or loan. This makes financial protection all the more important. After all, you’ll have much more to lose. And more people depending on you.
Unsurprisingly, that it’s in your 40s and 50s you’re likely to start thinking about it. Yet if the thought of covering yourself feels like a hassle too far, don’t let it put you off. We can take all the time and effort out of the process. And by acting now, you’ll save money too.
This is because policies tend to get more expensive as you get closer to old age. Especially as you’re more likely to get ill or need medication. If you can arrange your financial cover before you reach 45, then you could save a lot more on your insurance premiums.
Protect yourself now
Wherever you are on life’s journey, we can help you find the best deal for your age bracket. We’ll get to know your situation, explain all your options and search the whole of the market to get you the best deal.