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A Cover, when you are unable to work due to illness or job lost

Income protection plans give you a regular income if you can't work due to any sickness or disability, and the payment continues till you are back to work or get retired. The income protection plan is also known as permanent health insurance.

How does an Income Protection Insurance work?

This is not like critical illness insurance where your insurance company will pay the lump sum amount once. In this Protection plan, you'll be provided with monthly payments that will usually be lower than what you get from your full-time job. The typical pay-out is 40-60% of your income if you are unable to work. Most of the illnesses are covered by income protection insurance.

What's a Deferred Period?

The deferred period or Waiting period is usually pre-agreed, you can choose your preferred period between 1, 4,8,13, 26 years. The longer your deferred period the lowest your premiums will be.

Do I need an Income Protection Cover?

Due to the Covid pandemic, there are payment cuts and many of us have lost our jobs, this has taught us that life is uncertain. We never know when we get unemployed or fall sick. Your employer will pay you sick leave compensation, but for how long and how sure you are with your savings to manage the expenses?

Does Income Protection cover the Self-Employed?

Yes, there are income protection policies available self-employed.

Why choose us?

We provide the best income protection insurance in the UK. We will help you find the best cover available for you.